# EDGAR Filing Document

**Accession Number:** 0001142786
**File Stem:** 0001999371-26-013025
**Filing Date:** 2026-6
**Character Count:** 5814354
**Document Hash:** dbe56212f89d221c2b5536dabcad8097
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-013025.hdr.sgml**: 20260617

**ACCESSION NUMBER**: 0001999371-26-013025

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

**PUBLIC DOCUMENT COUNT**: 41

**CONFORMED PERIOD OF REPORT**: 20260617

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

**FILED AS OF DATE**: 20260617

**DATE AS OF CHANGE**: 20260617

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01089
- **FILM NUMBER:** 261098607

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

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

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

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

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

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

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

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

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

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

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

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

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

**UNITED STATES**

**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**

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

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

---

| | |
|:---|:---|
| ☐ | Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________ |
|  | Date of Report (Date of earliest event reported) __________________ |
|  | Commission File Number of securitizer: __________________ |
|  | Central Index Key Number of securitizer:__________________ |

---

------

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

---

| | |
|:---|:---|
|  | Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(l) ☐ |
|  | Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐ |
|  | Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) |
| ☒ | Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2) |
|  | Central Index Key Number of depositor: 0001142786 |
|  | <u>J.P. Morgan Mortgage Trust 2026-CES3</u> |
|  | (Exact name of issuing entity as specified in its charter) |
|  | Central Index Key Number of issuing entity (if applicable): ________________ |
|  | Central Index Key Number of underwriter (if applicable): ________________ |

---

Amie Davis, (212) 623-7441

------

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

EXHIBIT INDEX

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Form ABS Due Diligence-15E |
| [99.2](ex99-2.htm) | AMC Data Compare |
| [99.3](ex99-3.htm) | AMC Exception Report |
| [99.4](ex99-4.htm) | AMC Rating Agency Grades |
| [99.5](ex99-5.htm) | AMC Valuation Summary |
| [99.6](ex99-6.htm) | Clarifii LLC ("Clarifii") Executive Summary |
| [99.7](ex99-7.htm) | Clarifii Data Compare Report |
| [99.8](ex99-8.htm) | Clarifii Rating Agency Grades Detail Report |
| [99.9](ex99-9.htm) | Clarifii Rating Agency Grades Summary Report |
| [99.10](ex99-10.htm) | Clarifii Valuation Report |
| [99.11](ex99-11.htm) | Clayton Services LLC ("Clayton") Due Diligence Narrative |
| [99.12](ex99-12.htm) | Clayton Data Compare |
| [99.13](ex99-13.htm) | Clayton Exception Report |
| [99.14](ex99-14.htm) | Clayton Rating Agency Grades |
| [99.15](ex99-15.htm) | Clayton Valuation Summary |
| [99.16](ex99-16.htm) | Consolidated Analytics, Inc. ("Consolidated Analytics") Due Diligence Narrative |
| [99.17](ex99-17.htm) | Consolidated Analytics Data Compare |
| [99.18](ex99-18.htm) | Consolidated Analytics Exception Report |
| [99.19](ex99-19.htm) | Consolidated Analytics Rating Agency Grades |
| [99.20](ex99-20.htm) | Consolidated Analytics Valuation Summary |
| [99.21](ex99-21.htm) | Maxwell Diligence Solutions, LLC ("Maxwell") Due Diligence Narrative |
| [99.22](ex99-22.htm) | Maxwell Data Compare Report |
| [99.23](ex99-23.htm) | Maxwell Exceptions Report |
| [99.24](ex99-24.htm) | Maxwell Grading Report |
| [99.25](ex99-25.htm) | Maxwell Valuation Report |
| [99.26](ex99-26.htm) | Selene Diligence LLC ("Selene") Due Diligence Narrative |
| [99.27](ex99-27.htm) | Selene Data Compare Report |
| [99.28](ex99-28.htm) | Selene Standard Findings Report |
| [99.29](ex99-29.htm) | Selene Rating Agency Grades Summary Report |
| [99.30](ex99-30.htm) | Selene Valuation Report |

---

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | j.p. morgan acceptance corporation ii | j.p. morgan acceptance corporation ii |
|  | (Depositor) | (Depositor) |
| Date: June 17, 2026 | /s/ Michael Brown | /s/ Michael Brown |
|  | Name: | Michael Brown |
|  | Title: | Chief Executive Officer (Senior Officer in charge of securitization) |

---

## Exhibit 99.1

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.1**

![](ex991001.jpg)

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

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

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

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

Business Name (if Different):

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

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

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

Business Name (if Different):

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

**Item 3: Credit rating criteria** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions, April 30, 2026 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025 |

---

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

See attached.

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

See attached.

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![](ex991001.jpg)

**CERTIFICATION**

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

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

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

---

| | |
|:---|:---|
| Signature: | &nbsp;&nbsp;&nbsp;/s/ Tim Van Houtte |

---

Date: <u>June 16, 2026</u>

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![](ex991001.jpg)

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

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

AMC Diligence, LLC ("**AMC**") performed certain due diligence services described below on non-conforming closed-end second lien residential mortgages acquired from various parties. The review was conducted on behalf of JPMorgan Chase Bank, National Association ("**Client**") during multiple transactions from October 2024 to April 2026 via files imaged and provided by JPMorgan Chase Bank, National Association for review (the "**Review**").

The loans in the Review carried origination dates between September 2024 and April 2026.

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

The Review was conducted on three hundred six (306) loans selected by the Client with an aggregate original principal balance of approximately $41.318 million. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

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

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

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Coborrower Full Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount |  |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Type |  |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Refi Purpose |  |

---

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

Although AMC completed a property review of each loan based on the valuation in connection with the origination of the related mortgage loans, because AMC did not review any secondary supporting valuation products, AMC did not prepare any grading with respect to such property review and does not discuss any such grading herein.

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

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

**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.

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![](ex991001.jpg)

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

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

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

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

**DU/LP/Zippy Review** 

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

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

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

**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

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noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

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

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) (i) if the property is located in an area(s) listed as a FEMA disaster zone post origination, (ii) the presence of loan modification documents, and (iii) 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 guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

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

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

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

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

**<u>COMPLIANCE REVIEW – LIMITED SCOPE</u>**

Please be advised that SitusAMC will 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 will uncover 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 will uncover all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by SitusAMC are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which SitusAMC is relying in reaching such findings.

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in the Review, and the findings set forth in any report prepared by SitusAMC does not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC. Information contained in any SitusAMC 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 SitusAMC 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 SitusAMC 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. SitusAMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

SitusAMC will review each residential mortgage loan to determine, as applicable, and to the extent possible and subject to the caveats below, whether the mortgage loan complies with each of the laws, rules and regulations specified below, in each case as the same may be amended, supplemented, replaced or otherwise modified from time to time pursuant to applicable law. With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, the compliance review is limited to the specific components enumerated below with the testing of those components in accordance with the SFA TRID Compliance Review Scope ("TRID Grid"), published by the Structured Finance Association ("SFA"). All other TRID testing, including other components of the TRID Grid, that are not explicitly enumerated below are considered outside of scope for purposes of this review.

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

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

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

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

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

iv) failure to provide the three (3) specific business day rescission period;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) missing
 or incorrect rescission expiration date on rescission notice;

vi) "I wish to cancel" section of rescission notice is signed by borrower;

vii) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means, for closed end transactions, 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 for open-end transactions,

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the information that must be provided to satisfy the requirements in §<u>1026.6</u> with regard to the method of determining the finance charge and the balance upon which a finance charge will be imposed, the annual percentage rate, the amount or method of determining the amount of any membership or participation fee that may be imposed as part of the plan, and the payment information described in §<u>1026.40</u>(d)(5)(i) and (ii) that is required under §<u>1026.6</u>(e)(2); and

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Payment Tables (§1026.18, §1026.38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate
 disclosure of applicable payment tables on page 1 of the TIL or CD

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>TILA Section 130(b) Corrections and Other Remediations</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) with
 respect to applicable exception remediation measures, confirm the remediation was performed
 in accordance with regulatory and/or statutory requirements, and, where applicable, the
 SFA Compliance Review Scope methodology (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).

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.); the
 Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and the U.S. Department of
 Agriculture (7 CFR Part 3555);

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

&nbsp;&nbsp;&nbsp;&nbsp;e) Prepayment
 penalty restrictions (12 C.F.R. 1026.43(g)).

SitusAMC will review 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). SitusAMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, SitusAMC notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, SitusAMC 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, SitusAMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) the
 mortgage loan contains risky mortgage loan features and terms (e.g. an interest only
 feature, negative amortization, or loan term exceeding 30 years),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) the
 "points and fees" exceed the applicable QM threshold,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) the
 monthly payment was calculated appropriately,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) the
 creditor considered and verified income or assets at or before consummation,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) the
 creditor appropriately considered debt obligations, alimony and child support, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi) based
 on the application date, defined in accordance with 1026.2(a)(3)(ii), and the loan designation
 provided on the subject loan:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. **Temporary QM (Agency/GSE Salable) –** Loans submitted with a loan designation of Temporary
 SHQM (GSE/Agency Eligible) or Temporary HPQM (GSE/Agency Eligible)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. If
 loan application date is prior to 7/1/2021 or loan was purchased/securitized on or before
 8/31/21, the loan will be evaluated to confirm it is salable to the GSEs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 loan application date is on or after 7/1/2021 or loan was purchased/securitized after
 8/31/21 - an exception indicating loan is not eligible to be GSE Temp QM will be cited
 based on the GSE requirement for loan applications on or after 7/1/2021 to meet General
 QM (APOR) pricing based criteria to be salable,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **QM Based on Appendix Q –** Loans submitted with a loan designation of Safe Harbor
 QM, Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. If
 the loan application date is prior to 3/1/2021 – determine whether at the time
 of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with
 Appendix Q to Regulation Z)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 the loan application date is on or after 3/1/2021, but before 10/1/2022 – determine
 whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated
 in accordance with Appendix Q to Regulation Z)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. **QM Based on APOR (Pricing-Based) –** Loans with an application date on or after
 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced
 QM (APOR), the QM considerations will be based on 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 creditor's guidelines
 without a documented exception and compensating factors.

*QM loans with application dates on or after 10/1/22 are required to be either Safe Harbor QM (APOR) or Higher Priced QM (APOR)* 

***Verification Safe Harbor***

Pursuant to the November 2021 SFA TPR Scope of Review for Verification Safe Harbor under General QM Rule (<u>https://structuredfinance.org/wp-content/uploads/2021/11/SFA-TPR-Scope-of-Review-for-QM-VSH-Scope-of-Review-FINAL.pdf</u>) SitusAMC has adopted the following approach with respect to Verification Safe Harbor:

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**VSH Indicator** – For loans originated under the new General QM (APOR) pricing-based threshold, the lender will be required to document the Verification Safe Harbor (VSH) indicator. SitusAMC will capture, but will not verify the VSH indicator. If the lender does not provide a VSH indicator, the VSH for the loan will be identified as "Not Stated".

**VSH Indicator Discrepancy** – Optional add-on service for loans submitted with a VSH Indicator of "Yes" (loan meets VSH). If a loan was submitted indicating VSH is met, client has the option to have SitusAMC review documentation in file and identify variances between documentation in file and guidelines used that could be indicative of an inaccurate VSH indicator. For all options below, the VSH indicator and determination method will be provided by the lender (within loan images, on the data tape, deal notes, or as part of the loan program/guidelines to which loans are originated). SitusAMC's evaluation will be limited to review of the documents against the guidelines used and identified by the lender to meet VSH. Review and verification that guidelines used meet VSH requirements under the regulation (particularly for options 2 and 3 where guidelines used are not one of those explicitly enumerated in the regulation) are outside of SitusAMC's scope. Lender is responsible for affirming guidelines used meet VSH standard requirements:

● <u>Option 1: VSH via reference to guidelines explicitly enumerated in the regulation (June 2020 GSE Guides)</u> 

○ Lender identifies that loan utilizes one of the GSE June 2020 guidelines specified in the regulation to meet VSH

○ For loans identified by lender to have VSH status, SitusAMC will determine documentation variances that would cause one to question the VSH attestation from the lender. If variances are identified, loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e., SitusAMC will report loan as not having met VSH).

○ AUS adherence will not be used to evaluate the VSH indicator.

● <u>Option 2: VSH via reference to subsequent versions of GSE Guides affirmed to be "substantially similar" to guides explicitly enumerated in the regulation</u> 

○ Lender identifies (source and publication date) and provides a set of GSE guides (other than one of the June 2020 guidelines specified in the regulation) utilized to meet VSH

○ Lender provides affirmation that guides used meet VSH requirements as revised version complies with verification standards or is substantially similar to the guides enumerated in the regulation commentary under 1026.43(e)

○ The determination and affirmation that the guides used are substantially similar would be the responsibility of the lender and/or aggregator. **SitusAMC will not evaluate or make a determination as to whether the guidelines used by the lender are "substantially similar"** to the explicitly enumerated underwriting guidelines.

○ For loans identified by lender to have VSH status, SitusAMC will determine documentation variances that would cause one to question the VSH attestation from the lender. If variances are identified, loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e., SitusAMC will report loan as not having met VSH).

○ AUS adherence will not be used to evaluate the VSH indicator

● <u>Option 3: VSH via proprietary guides</u> 

○ Lender identifies and provides a set of proprietary (non-GSE guides) underwriting guides utilized to meet VSH

○ Lender provides worksheet/AUS connecting the loan level review components to enumerated guides

○ Lender provides affirmation that guides used meet VSH requirements as guides comply with verification standards in the guides enumerated in the regulation commentary under 1026.43(e)

○ The determination and affirmation that the guides used are substantially similar would be the responsibility of the lender and/or aggregator. **SitusAMC will not evaluate or make a determination as to whether the guidelines used by the lender are in line with the standards in the enumerated underwriting guidelines.** 

○ For loans identified by lender to have VSH status, SitusAMC will determine documentation variances that would cause one to question the VSH attestation from the lender. If variances are identified, loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e., SitusAMC will report loan as not having met VSH).

○ AUS adherence will not be used to evaluate the VSH indicator

The lender must also maintain policies and procedures to meet the requirement under the new General QM (APOR) rule. Review of policies and procedures and comparison of guides utilized to explicitly enumerated guides are outside of SitusAMC's review scope.

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**VSH Reporting –** SitusAMC will include the following in securitization reports:

● The lender/seller's VSH Indicator;

● Whether SitusAMC evaluated the VSH indicator provided by the lender/seller;

● Which of the above 3 options was employed to evaluate the VSH indicator;

● Whether SitusAMC identified a variance to indicator based on due diligence review; and

● Whether loan met VSH based on option selected

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 (effective January 10, 2014), SitusAMC 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) and (vi)-1 as outlined above. In addition, SitusAMC reviews the Automated Underwriting System output within the mortgage loan file to confirm agency eligibility.

For each conventional QM designated mortgage loan that satisfied the applicable requirements enumerated above, SitusAMC 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.), the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.) and the U.S. Department of Agriculture (7 CFR Part 3555).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, SitusAMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM (for loans that comply with general (ATR) or ATR Fail (for loans that do not meet general ATR requirements). See below for more details on general ability to repay testing.

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

For non-QM loans (loans that do not meet QM criteria or submitted by loan originator with a loan designation of non-QM), SitusAMC reviews the mortgage loan to the creditor's guidelines to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and will verify such information using reasonably reliable third-party records, at or before consummation:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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. SitusAMC makes no representation or warranty surrounding the sufficiency of the client or creditor's guidelines as it relates to ATR requirements.

SitusAMC reviews mortgage loans to determine their conformity with the ATR/QM factors as outlined above, but does not render 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"). SitusAMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all the factors and/or criteria that Authorities may consider in determining whether the creditor adequately demonstrated compliance with the ATR

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requirements under the rule. SitusAMC's review is based on information contained in the mortgage loan file at the time it is provided to SitusAMC for review, and only reflects information as of that point in time.

**(III) The disclosure requirements and prohibitions of Section 50(a)(6), 50(f)(2), and limited provisions under Section 50(t) Article XVI of the Texas Constitution and associated regulations.**

**(IV) 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. State usury limitations and state-specific prohibited fees testing are outside of scope.**

**(V) Federal and state specific prepayment penalty provisions.**

**(VI) Federal and state specific late charges in states with assignee liability.** 

The state level late charge testing will be applicable to loans with the subject property in New Jersey, Georgia, New Mexico, and West Virginia.

**(VII) Homeowners Flood Insurance Affordability Act of 2014 (HFIAA)**

Confirm properties within a flood zone have adequate insurance coverage in accordance with HFIAA. (Including considerations of the total outstanding lien balances and any separate escrow impound requirements if the second lien is covered by a separate policy from the primary lien.)

**(VIII) FIRREA Review**

SitusAMC will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, SitusAMC will review the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, SitusAMC will access 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.

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

**(IX) Document Review.**

SitusAMC will review each mortgage loan file and verify whether the following documents, if applicable, were included in the file and that the data on applicable documents was consistent:

● Initial application (1003);

● Underwriting summary/loan approval (1008);

● Credit report;

● Income and employment documentation;

● Asset documentation;

● Sales contract;

● Hazard and/or flood insurance policies;

● Copy of note for any junior liens;

● Appraisal;

● Title/Preliminary Title;

● Final 1003;

● Changed circumstance documentation;

● Right of Rescission Disclosure;

● Mortgage/Deed of Trust;

● Note;

● Mortgage Insurance;

● Tangible Net Benefit Disclosure;

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● Subordination Agreement;

● Notice of Special Flood Hazards;

● Initial and final GFE's;

● HUD/Closing Disclosure from sale of previous residence;

● Final HUD-1;

● Initial TIL;

● Final TIL;

● Loan Estimates;

● Closing Disclosures; and

● 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, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

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

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

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

**OVERALL REVIEW RESULTS SUMMARY**

There were three hundred six (306) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable Fitch and Kroll NRSRO grading criteria, ninety-nine (99) (32.35%) loans had an overall loan grade of "B". Three (3) of the loans with an overall grade of "B" had exceptions across multiple exception types. After all documents were presented, under the applicable DBRS and S&P NRSRO grading criteria, forty-five (45) (14.71%) loans had an overall loan grade of "B". Two (2) of the loans with an overall grade of "B" had exceptions across multiple exception types.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Fitch and Kroll Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***93*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**93** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***27*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**27** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**120** |

---

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**DBRS and S&P Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;3 |

---

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![](ex991001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***30*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**30** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***27*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**27** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**57** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the three hundred six (306) loans reviewed, under the applicable Fitch and Kroll NRSRO grading criteria, seventy-seven (77) had a Compliance Review "B" grade. Twelve (12) of the loans with an overall grade of "B" had multiple compliance exceptions. Of the three hundred six (306) loans reviewed, under the applicable DBRS & S&P NRSRO grading criteria, twenty-two (22) had a Compliance Review "B" grade. Seven (7) of the loans with an overall grade of "B" had multiple compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch and Kroll NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;229 | &nbsp;&nbsp;74.84% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;77 | &nbsp;&nbsp;25.16% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;284 | &nbsp;&nbsp;92.81% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;22 | &nbsp;&nbsp;7.19% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**CREDIT REVIEW RESULTS SUMMARY**

Two hundred eighty-one (281) mortgage loans (91.83%) of the total received an "A" Credit Review grade. The twenty-five (25) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;281 | &nbsp;&nbsp;91.83% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;25 | &nbsp;&nbsp;8.17% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the three hundred six (306) mortgage loans reviewed, one hundred seventy-seven (177) (57.84%) mortgage loans had tape discrepancies across twenty-one (21) unique data fields. The most common tape discrepancies were Appraised Value (34.97%), Borrower First Name (19.61%), and Street (18.95%). AMC found generally that the DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

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![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;107 | &nbsp;&nbsp;34.97% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;60 | &nbsp;&nbsp;19.61% |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;58 | &nbsp;&nbsp;18.95% |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;34 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;33 | &nbsp;&nbsp;10.78% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;29 | &nbsp;&nbsp;9.48% |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;25 | &nbsp;&nbsp;8.17% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.27% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.27% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.29% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.29% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**TPR Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;139 | &nbsp;&nbsp;45.42% | &nbsp;&nbsp;$23742749.00 | &nbsp;&nbsp;57.46% |
| &nbsp;&nbsp;Non QM | &nbsp;&nbsp;93 | &nbsp;&nbsp;30.39% | &nbsp;&nbsp;$13975034.00 | &nbsp;&nbsp;33.82% |
| &nbsp;&nbsp;Higher Priced QM (APOR) | &nbsp;&nbsp;74 | &nbsp;&nbsp;24.18% | &nbsp;&nbsp;$3600399.00 | &nbsp;&nbsp;8.71% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**306** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$41318182.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;306 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$41318182.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**306** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$41318182.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;306 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$41318182.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**306** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$41318182.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;302 | &nbsp;&nbsp;98.69% | &nbsp;&nbsp;$40310182.00 | &nbsp;&nbsp;97.56% |

---

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![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.31% | &nbsp;&nbsp;$1008000.00 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**306** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$41318182.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;206 | &nbsp;&nbsp;67.32% | &nbsp;&nbsp;$30184474.00 | &nbsp;&nbsp;73.05% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;85 | &nbsp;&nbsp;27.78% | &nbsp;&nbsp;$9540116.00 | &nbsp;&nbsp;23.09% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;15 | &nbsp;&nbsp;4.90% | &nbsp;&nbsp;$1593592.00 | &nbsp;&nbsp;3.86% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**306** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$41318182.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;194 | &nbsp;&nbsp;63.40% | &nbsp;&nbsp;$25398672.00 | &nbsp;&nbsp;61.47% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;91 | &nbsp;&nbsp;29.74% | &nbsp;&nbsp;$14000601.00 | &nbsp;&nbsp;33.88% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;12 | &nbsp;&nbsp;3.92% | &nbsp;&nbsp;$971793.00 | &nbsp;&nbsp;2.35% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.98% | &nbsp;&nbsp;$344951.00 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;$124165.00 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;$343000.00 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;$135000.00 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**306** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$41318182.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;287 | &nbsp;&nbsp;93.79% | &nbsp;&nbsp;$37820967.00 | &nbsp;&nbsp;91.54% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;16 | &nbsp;&nbsp;5.23% | &nbsp;&nbsp;$2860084.00 | &nbsp;&nbsp;6.92% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.98% | &nbsp;&nbsp;$637131.00 | &nbsp;&nbsp;1.54% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**306** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$41318182.00** | &nbsp;&nbsp;**100.00%** |

---

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

**EXCEPTION DETAIL**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch and Kroll Exceptions** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Exception Type** |
| &nbsp;&nbsp;Check Restated Loan Designation Match - QM / ATR | &nbsp;&nbsp;57 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Check Restated Loan Designation Match - General Ability to Repay | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TIL Higher Priced Mortgage Loan Safe Harbor Test | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Massachusetts HPML Threshold Test Compliant | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |

---

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![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. | &nbsp;&nbsp;3&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - ATR | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Kansas Mortgage Business Act (Prepaid Finance Charges to to Lender or Lender Affiliate) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Not Provided Timely | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Guideline Requirement: Representative FICO score discrepancy. | &nbsp;&nbsp;10 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Combined loan to value discrepancy. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: 1007 Rent Comparison Schedule not provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P Exceptions** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Exception Type** |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TIL Higher Priced Mortgage Loan Safe Harbor Test | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Massachusetts HPML Threshold Test Compliant | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - ATR | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Kansas Mortgage Business Act (Prepaid Finance Charges to to Lender or Lender Affiliate) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Not Provided Timely | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |

---

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![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Guideline Requirement: Representative FICO score discrepancy. | &nbsp;&nbsp;10 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Combined loan to value discrepancy. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: 1007 Rent Comparison Schedule not provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

18 \| P a g e

## Exhibit 99.2

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 304752007 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304752007 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304752007 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304752007 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304752007 | Original CLTV | 74.87 | 78.81273 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304752007 | Investor: Qualifying Total Debt Ratio | 31.281 | 44.14618 | Verified | Verified with 1008 |
| 304752004 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304752004 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304752004 | Original CLTV | 52.72 | 48.15991 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304752004 | Original LTV | 15.79 | 14.21801 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304752015 | Investor: Qualifying Total Debt Ratio | 39.062 | 43.23487 | Verified | More conservative income used, just base wages. |
| 304752413 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304752413 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304752413 | Interest Only | 1 | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| 304752413 | Investor: Qualifying Total Debt Ratio | 20.69 | 24.98737 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304852050 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304855002 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304855002 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304855002 | Investor: Qualifying Total Debt Ratio | 48.33 | 41.75747 | Verified | other payment provided as "$xxxx" |
| 304862359 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304871614 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305026565 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305033725 | Investor: Qualifying Total Debt Ratio | 38.69 | 45.08387 | Verified | 1008 approval reflects 45.08% DTI |
| 304858916 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304858916 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305028284 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305029297 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305026470 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305026470 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 305026470 | State | FL | WA | Verified | Field Value reflects State per Note |
| 305026470 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305026470 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305026470 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305026470 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305026470 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305026470 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305023765 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305023765 | Investor: Qualifying Total Debt Ratio | 23.98 | 39.54977 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 305030697 | Investor: Qualifying Total Debt Ratio | 17.6 | 47.02424 | Verified | 1008 approval reflects 47.86% DTI |
| 305033567 | Investor: Qualifying Total Debt Ratio | 28.94 | 38.70092 | Verified | Tape data is incorrect. Loan approved at 38.701% |
| 305031511 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305031511 | Original CLTV | 79.19 | 84.2379 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305036642 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305031200 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304873087 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304911718 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304911718 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304911718 | Investor: Qualifying Total Debt Ratio | 35.95 | 42.52177 | Verified | Verified all the expenses and income and verified the dti with 1008 |
| 305028282 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305027051 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305028963 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305013234 | Investor: Qualifying Total Debt Ratio | 39.97 | 35.96474 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 305031721 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305031721 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305031721 | Investor: Qualifying Total Debt Ratio | 16.6 | 29.4076 | Verified | DTI matching with 1008 document |
| 305031271 | Investor: Qualifying Total Debt Ratio | 34.16 | 23.52696 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 305031700 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305031700 | Investor: Qualifying Total Debt Ratio | 7.64 | 22.71107 | Verified | Lender approved at 24%. |
| 305023773 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305023773 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305024465 | Investor: Qualifying Total Debt Ratio | 39.27 | 45.82455 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 305029734 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304876067 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304903218 | Investor: Qualifying Total Debt Ratio | 32.97 | 38.77058 | Verified | 1008 approval reflects 39.35% DTI |
| 304909805 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305028278 | Investor: Qualifying Total Debt Ratio | 39.22 | 34.96192 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 305028480 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305024967 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305024756 | Investor: Qualifying Total Debt Ratio | 47.07 | 43.18837 | Verified | 1008 approval reflects 43.22% DTI |
| 305031203 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305027405 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305036075 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305033655 | Investor: Qualifying Total Debt Ratio | 36.47 | 41.62881 | Verified | 1008 approval reflects 42.33% DTI |
| 305038853 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305038770 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304889949 | Investor: Qualifying Total Debt Ratio | 15.38 | 24.40945 | Verified | Field value DTI is matching with 1008 at 24.97% |
| 304897325 | Investor: Qualifying Total Debt Ratio | 36.33 | 40.42674 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304908593 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305028469 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305031272 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305023764 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305023583 | Investor: Qualifying Total Debt Ratio | 48.14 | 43.9589 | Verified | 1008 approval reflects 44.81% DTI |
| 305028479 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305034588 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305038787 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304873540 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304909793 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305012422 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305012422 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305031210 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305026578 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305026576 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305026576 | Investor: Qualifying Total Debt Ratio | 41.02 | 47.348 | Verified | Field value is closure to 1008 value of 48.15% |
| 305025211 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305013293 | Investor: Qualifying Total Debt Ratio | 31.79 | 38.69888 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 305032276 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305029592 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305034586 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305012424 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305027840 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305027107 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305026171 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305026171 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305025215 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305013527 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305013527 | Investor: Qualifying Total Debt Ratio | 23.41 | 36.48033 | Verified | Tape data is incorrect. Loan approved at 37.034% |
| 305032281 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305032281 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305032281 | Investor: Qualifying Total Debt Ratio | 43.81 | 49.31691 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 305031316 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305030605 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305030605 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305038025 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305027845 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305027196 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305030911 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305029667 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305029667 | Original CLTV | 69.54 | 67.12323 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305026573 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305026573 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305025024 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305025024 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305013620 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305029212 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305027049 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305036896 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304896195 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304896195 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304896195 | Investor: Qualifying Total Debt Ratio | 29.33 | 36.28242 | Verified | Income and liabilities are captured as per document. Since there is difference in DTI |
| 304909723 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304909723 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305027019 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305027019 | Investor: Qualifying Total Debt Ratio | 42.81 | 45.87063 | Verified | Lender approved at 46% |
| 305033642 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305033642 | Investor: Qualifying Total Debt Ratio | 40.3 | 31.71044 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 305059227 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059227 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059227 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059267 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059267 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059267 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059267 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059273 | Original CLTV | 84.97 | 83.56761 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305059275 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059275 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059275 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059275 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059239 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059239 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| 305059239 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 305059238 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059238 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059238 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305059238 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059238 | Contract Sales Price | xxxx | xxxx | Verified | Refinance |
| 305059269 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059269 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059269 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059269 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059226 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059226 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059226 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059226 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059226 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059258 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059258 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059258 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059260 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059260 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059260 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059260 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059260 | Original CLTV | 38.52 | 36.34944 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305059246 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059246 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059246 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059246 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059246 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059280 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059280 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059280 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059280 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059268 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059268 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059268 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059265 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059265 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059265 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059256 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059256 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059256 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059256 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059277 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305059264 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059264 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059264 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059264 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059264 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059287 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059287 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059283 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059283 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059283 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059283 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059282 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059282 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059282 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059271 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059279 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059279 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059279 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305059279 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059279 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059235 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059235 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059235 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059235 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059254 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059254 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059254 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059254 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305059276 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059276 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059276 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305059276 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059276 | Investor: Qualifying Total Debt Ratio | 11.646 | 31.53528 | Verified | Matches lenders 1008. |
| 305059292 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059292 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059292 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059292 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059236 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059236 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059236 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059236 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305059236 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059236 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305059244 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059244 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059244 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305059244 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059244 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059284 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059284 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059284 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059286 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059286 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059286 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059286 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059242 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059242 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059242 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059242 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059278 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059278 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059219 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059219 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059219 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059223 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059223 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059223 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059223 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059257 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059257 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059257 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059245 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059245 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059245 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059255 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059255 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059255 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059255 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059249 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059249 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059249 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059249 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059249 | Contract Sales Price | xxxx | xxxx | Verified | Refinance loan |
| 305059250 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059250 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059250 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059250 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059261 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059261 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059261 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059290 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059290 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059290 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059290 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059290 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059293 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059293 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059293 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059293 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059293 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059231 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059231 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059231 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059225 | Original CLTV | 68.8 | 66.56476 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305059285 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059285 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059285 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059285 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059285 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305059288 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059288 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059288 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059288 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305059243 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059243 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059243 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305059229 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059229 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059229 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059247 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305059247 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305059262 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059262 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059262 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059266 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059266 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059266 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059266 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059248 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059248 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059248 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059228 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059228 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059228 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059237 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059237 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059237 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059237 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059233 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059233 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059233 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059233 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305059259 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305059259 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305059259 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305059274 | Investor: Qualifying Total Debt Ratio | 36.764 | 28.49472 | Verified | 1008 reflected a higher PI amount for the borrower's 1st mortgage. |
| 305064437 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305064458 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305064441 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305064441 | Other Financing Junior Total Original Loan Amount | xxxx | xxxx | Verified | Field value reflects source document |
| 305064425 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305064425 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305064425 | Original CLTV | 62.235 | 64.50483 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305064425 | Original LTV | 14.804 | 17.07367 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305064446 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 305064428 | Investor: Qualifying Total Debt Ratio | 31.977 | 38.90043 | Verified | Field value DTI is matching with 1008 at 38.90% |
| 305064460 | Original CLTV | 75 | 73.66397 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305064453 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305064453 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305064453 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305064453 | Original CLTV | 76.124 | 79.99999 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305064451 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305064440 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 305064457 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305064444 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305064444 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305064444 | Representative FICO | 769 | 780 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305064431 | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305064442 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305064466 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305064455 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305064430 | Investor: Qualifying Total Debt Ratio | 17.458 | 31.74737 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 305064435 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305064464 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305064464 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305064464 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305064432 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305064432 | Investor: Qualifying Total Debt Ratio | 33.25 | 42.16394 | Verified | Matches lenders 1008. |
| 305064454 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305064454 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305064443 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305095405 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305095405 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305095405 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305095405 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305095383 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305095383 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305095398 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305095398 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305095398 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305095408 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305095408 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305095408 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305095408 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305095393 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305095393 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305095385 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305095386 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305095386 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305095386 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305095399 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305095399 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |

---

## Exhibit 99.3

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **Kroll Initial Exception Rating** | **S&P Initial Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 304752007 | 34302883 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304752007 | 34257714 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 08/26/2025 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304752007 | 34257715 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 08/22/2025 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 304752007 | 34258148 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 08/26/2025 |  |  | 1 | B A C | B A | B A |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 304752004 | 34257508 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304752004 | 34257511 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | xxxx |  |  |  |  |  |  |  | 2 | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304752004 | 34257512 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx |  |  |  |  |  |  |  | 2 | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304752004 | 34679617 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304752004 | 34257509 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 10/08/2025 |  |  | 1 | B A C | B A | B A |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 304752004 | 34257510 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 10/08/2025 |  |  | 1 | C A | C A | C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304752004 | 34261249 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/08/2025 |  |  | 1 | C A | C A | C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304752004 | 34261256 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/08/2025 |  |  | 1 | C A | C A | C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304752004 | 34261257 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.77247% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 10/08/2025 |  |  | 1 | C A | C A | C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304752004 | 34675052 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | xxxx | 10/08/2025 |  |  | 1 | A | A | A |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 304752015 | 34166122 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 09/15/2025 |  | 2 | C B | C B | C B |  | NH | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Non QM | Non QM | Yes |
| 304752015 | 34166127 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. |  | xxxx |  |  |  | xxxx | 08/18/2025 |  |  | 1 | C A | C A | C A |  | NH | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304726492 | 34119276 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304726492 | 34098459 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 08/01/2025 |  |  | 1 | B A C | B A | B A |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Non QM | Yes |
| 304726492 | 34098460 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. |  |  |  |  | xxxx | 08/01/2025 |  |  | 1 | C A | C A | C A |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304852050 | 34764972 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 | C A | C A | C A |  | MA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304855002 | 34849220 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 | C A | C A | C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304855002 | 34849232 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 | C A | C A | C A |  | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Non QM | Non QM | Yes |
| 304862360 | 34889609 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 | B | B | B |  | NV | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304889298 | 35763529 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | IL | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304889298 | 35744577 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. Secondary valuation from subject transaction is missing. Sec ID: 49 | Note Date: ___; Lien Position: ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | 33.00244% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx | 02/27/2026 |  |  | 1 | N/A | N/A | N/A |  | IL | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304907202 | 35763772 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | NM | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304907202 | 35749179 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | NM | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305027841 | 35761388 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305027841 | 35748585 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | VA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305027841 | 35748586 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | VA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305027841 | 35752624 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305030743 | 35761374 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | MO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305030743 | 35745247 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305029589 | 35761349 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | AZ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305029589 | 35744862 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305026565 | 35761489 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | NC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305026565 | 35744556 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | NC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305024063 | 35744392 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five (5) business days of application. |  |  |  |  |  |  |  |  | 2 | B | B | B |  | OH | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305024063 | 35761477 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | OH | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305024063 | 35744391 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | OH | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305023766 | 35750115 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | ID | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305023766 | 35750116 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | ID | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305033725 | 35755593 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305033725 | 35755594 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305026153 | 35744572 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 | B | B | B |  | MA | Primary | Refinance - Cash-out - Other | B A |  |  | Non QM | Non QM | No |
| 305026153 | 35744574 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 | B | B | B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure B A |  |  | Non QM | Non QM | No |
| 304858916 | 35762938 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing verification that the $xxxx per month Foster Care income has been received for at least 12 months |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304858916 | 35762987 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304858916 | 35762988 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | GA | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304858916 | 35762989 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304908608 | 35761530 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304908608 | 35744543 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305028284 | 35761517 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | MI | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305028284 | 35745079 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | MI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305029297 | 35745770 |  | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. |  |  |  |  |  |  |  |  |  | 2 | B | B | B |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305029297 | 35745897 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 | B | B | B |  | AR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305029297 | 35761514 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305029297 | 35745895 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | AR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305023765 | 35753852 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - Occupancy: ___; Declarations/Will borrower occupy: ___ | xxxx |  |  |  | xxxx | 02/18/2026 |  |  | 1 | C A | C A | C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305030697 | 35761508 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | UT | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305030697 | 35745723 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | UT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305033567 | 35764444 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | SC | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305036642 | 35764445 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | NC | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305031200 | 35769774 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | SC | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304873087 | 35769788 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | KS | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304873087 | 35745037 |  | Compliance | Compliance | State Compliance | Misc. State Level | Kansas Mortgage Business Act (Prepaid Finance Charges to to Lender or Lender Affiliate) | Kansas Mortgage Business Act: Mortgage loan contains prepaid finance charges of $xxxx payable to the lender or lender affiliate that exceed 5% of the amount financed, or $xxxx, an overage of $xxxx. |  |  |  |  | xxxx |  | 02/25/2026 |  | 2 | C B | C B | C B |  | KS | Primary | Refinance - Cash-out - Other | Within 60 days of discovery, and before any notice from borrower of compliance failure, provide: (1) Letter of Explanation; (2) Lender Attestation of no action instituted or written notice from consumer of the violation; (3) Copy of Refund Check; and (4) Proof of Delivery B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304911718 | 35744955 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 02/11/2026 |  |  | 1 | C A | C A | C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305027409 | 35761600 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | OH | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305027409 | 35745205 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | OH | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305027409 | 35755084 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | OH | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305027409 | 35755085 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | OH | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305027051 | 35761921 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | PA | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305028963 | 35761152 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | OR | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305028963 | 35744667 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | OR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305026197 | 35751102 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | NJ | Investment | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305026197 | 35751103 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | NJ | Investment | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305025025 | 35761589 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Higher Priced QM (APOR) | No |
| 305025025 | 35745478 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Higher Priced QM (APOR) | No |
| 305025025 | 35745479 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A | B A | B A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Higher Priced QM (APOR) | No |
| 305025025 | 35745480 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Higher Priced QM (APOR) | No |
| 305025025 | 35750682 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | xxxx | 02/06/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Higher Priced QM (APOR) | No |
| 305025025 | 35750770 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B |  |  | Non QM | Higher Priced QM (APOR) | Yes |
| 305025025 | 35750773 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Higher Priced QM (APOR) | No |
| 305025027 | 35761556 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | MS | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305025027 | 35745455 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 02/11/2026 |  |  | 1 | C A | C A | C A |  | MS | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305025027 | 35745501 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | MS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305025027 | 35755257 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | MS | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305025027 | 35755258 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | MS | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305031198 | 35755302 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305031198 | 35755303 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305031094 | 35749914 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305031094 | 35749916 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305031271 | 35761550 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | AZ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305031271 | 35746056 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305031700 | 35763557 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | MI | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305023773 | 35761762 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | MI | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305031207 | 35745044 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | xxxx | 02/10/2026 |  |  | 1 | C A | C A | C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304909510 | 35746102 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 304909510 | 35746103 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305012543 | 35745862 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 02/06/2026 |  |  | 1 | C A | C A | C A |  | MI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 305031011 | 35746476 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305031011 | 35746477 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305029668 | 35745581 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | MS | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305029668 | 35745582 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | MS | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305029668 | 35755863 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | xxxx | The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years. | Decent credit. Good employment history. Consolidating debts | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/06/2026 | 2 | B | B | B |  | MS | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 305023982 | 35748665 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | xxxx |  |  |  | xxxx | 02/06/2026 |  |  | 1 | C A | C A | C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305023772 | 35754502 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305023772 | 35754503 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305029841 | 35761646 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | IN | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305029841 | 35745891 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | IN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305029734 | 35755240 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | VA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305029734 | 35755241 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | VA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305029677 | 35761866 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305029677 | 35761867 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305036548 | 35762400 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | GA | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304876067 | 35807490 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | NE | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Higher Priced QM (APOR) | No |
| 304876067 | 35746270 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | xxxx |  |  |  | xxxx | 02/10/2026 |  |  | 1 | C A | C A | C A |  | NE | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Higher Priced QM (APOR) | No |
| 304903218 | 35761634 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | WV | Investment | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304903218 | 35745916 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | WV | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305027284 | 35747265 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | WI | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305027284 | 35755483 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | 724 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/09/2026 | 2 | C B | C B | C B |  | WI | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305030540 | 35746986 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx |  |  |  | 2 | B | B | B |  | MN | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 305030540 | 35755495 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | MN | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Non QM | Non QM | Yes |
| 305030540 | 35755496 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | MN | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Non QM | Non QM | Yes |
| 305024967 | 35850981 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | CO | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Safe Harbor QM (APOR) | No |
| 305024967 | 35747340 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/19/2026 |  |  | 1 | C A | C A | C A |  | CO | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Safe Harbor QM (APOR) | No |
| 305024967 | 35747341 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/19/2026 |  |  | 1 | B A | B A | B A |  | CO | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Safe Harbor QM (APOR) | No |
| 305024967 | 35747342 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 02/19/2026 |  |  | 1 | C A | C A | C A |  | CO | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Safe Harbor QM (APOR) | No |
| 305024756 | 35761128 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | UT | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305024756 | 35747435 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | UT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305031203 | 35761619 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305031203 | 35747393 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305030990 | 35761612 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305030990 | 35747764 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305030990 | 35755316 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | SC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305030990 | 35755317 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | SC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305027451 | 35761710 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | MO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305027451 | 35747382 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305027405 | 35761699 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305027405 | 35747544 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305027405 | 35755340 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | VA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305027405 | 35755341 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | VA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305038853 | 35761917 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 02/10/2026 |  |  | 1 | C A | C A | C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305038737 | 35764446 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | GA | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305038770 | 35746838 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | xxxx |  |  |  |  |  |  |  | 2 | B | B | B |  | VT | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 305038770 | 35746841 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx |  |  |  |  |  |  |  | 2 | B | B | B |  | VT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305038770 | 35764452 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | VT | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304908593 | 35761690 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | OH | Investment | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304908593 | 35746361 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | OH | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305012431 | 35755800 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | UT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305012431 | 35755801 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | UT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305027407 | 35750093 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 | B | B | B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure C B |  |  | Non QM | Non QM | No |
| 305027407 | 35749717 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Co-borrower has been with current employer for 9 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/17/2026 | 2 | C B | C B | C B |  | MA | Primary | Refinance - Cash-out - Other | C B |  |  | Non QM | Non QM | No |
| 305027407 | 35755805 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | MA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Non QM | Non QM | Yes |
| 305027407 | 35755806 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | MA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Non QM | Non QM | Yes |
| 305025214 | 35746885 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 03/12/2026 |  |  | 1 | C A | C A | C A |  | IA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305025214 | 35746886 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 03/12/2026 |  |  | 1 | C A | C A | C A |  | IA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305025214 | 35754800 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | IA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305025214 | 35754801 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | IA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305023764 | 35797079 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | PA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Higher Priced QM (APOR) | No |
| 305023764 | 35755891 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/11/2026 |  |  | 1 | C A | C A | C A |  | PA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Higher Priced QM (APOR) | No |
| 305023764 | 35755892 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/11/2026 |  |  | 1 | B A | B A | B A |  | PA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Higher Priced QM (APOR) | No |
| 305023764 | 35755893 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 02/11/2026 |  |  | 1 | C A | C A | C A |  | PA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Higher Priced QM (APOR) | No |
| 305028479 | 35761677 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | AL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305028479 | 35750207 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | AL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305028286 | 35755128 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305028286 | 35755129 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305034588 | 35748596 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx |  |  |  | xxxx |  | 03/24/2026 |  | 2 | C B | C B | C B |  | DE | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305038787 | 35764447 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305038787 | 35749085 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Good employment and Housing history. Consolidating debts | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/09/2026 | 2 | B | B | B |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304909793 | 35761780 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | GA | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305031210 | 35761788 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | KY | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 305023584 | 35750189 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | WA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305023584 | 35750191 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | WA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305025211 | 35747918 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305025211 | 35747919 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305013293 | 35761799 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | IL | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305029592 | 35761763 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | PA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305029592 | 35747793 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305029592 | 35747794 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305029592 | 35747795 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305029295 | 35750232 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 02/18/2026 |  |  | 1 | C A | C A | C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305029295 | 35754793 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | NV | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305029295 | 35754794 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | NV | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305025033 | 35762365 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305034586 | 35764449 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | NJ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305034586 | 35750291 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | xxxx | 02/17/2026 |  |  | 1 | C A | C A | C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304895460 | 35761753 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | AL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304895460 | 35748553 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | AL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304905066 | 35755354 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | AZ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304905066 | 35755355 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | AZ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304907275 | 35755598 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 304907275 | 35755599 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305012424 | 35749107 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | xxxx | 02/11/2026 |  |  | 1 | C A | C A | C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305012424 | 35761901 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305012424 | 35761902 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305027107 | 35761823 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | DC | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 305030546 | 35746624 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx |  |  |  |  |  |  |  | 2 | B | B | B |  | IA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Non QM | Non QM | Yes |
| 305025215 | 35749936 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 02/10/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305025215 | 35749937 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 02/10/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305025215 | 35762452 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305025215 | 35762453 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305013523 | 35747985 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | xxxx |  |  |  | xxxx | 02/06/2026 |  |  | 1 | D A | D A | D A |  | PA | Primary | Refinance - Cash-out - Other | D A |  |  | Non QM | Non QM | No |
| 305032281 | 35746984 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | xxxx |  |  |  | xxxx | 02/10/2026 |  |  | 1 | C A | C A | C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305031316 | 35747785 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305031316 | 35747786 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305031316 | 35755602 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | SC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305031316 | 35755603 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | SC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305030605 | 35761739 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305030605 | 35746776 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305030511 | 35762418 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | IL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305030511 | 35750166 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | xxxx | 02/13/2026 |  |  | 1 | C A | C A | C A |  | IL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305038025 | 35929113 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 305038025 | 35749989 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 02/26/2026 |  |  | 1 | B A C | B A | B A |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305032456 | 35762470 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305032456 | 35762471 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305012634 | 35749931 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/08/2026 |  |  | 1 | C A | C A | C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305012634 | 35749932 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 02/08/2026 |  |  | 1 | C A | C A | C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305012634 | 35749934 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305012634 | 35749935 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Non QM | Non QM | Yes |
| 305027845 | 35759276 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years. | 777 FICO | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 02/17/2026 | 2 | C B | C B | C B |  | MS | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305027196 | 35750861 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305030911 | 35764450 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | SC | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305029667 | 35749919 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | SC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305029667 | 35749920 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | SC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305026573 | 35747854 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 | C A | C A | C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 305024922 | 35755964 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 | B | B | B |  | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Non QM | Non QM | Yes |
| 305024922 | 35755965 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | OR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Non QM | Non QM | Yes |
| 305024922 | 35755966 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | OR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Non QM | Non QM | Yes |
| 305024822 | 35761727 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | OR | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305024822 | 35750827 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | OR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305024822 | 35754040 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | OR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305024822 | 35754041 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | OR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305013620 | 35751299 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305013620 | 35751300 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305030545 | 35750624 |  | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. |  |  |  |  |  |  |  |  |  | 2 | B | B | B |  | AR | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 305030545 | 35762445 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx |  |  |  | 2 | A B | B | A |  | AR | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 305030545 | 35751045 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | 34.58413% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/23/2026 | 2 | C B | C B | C B |  | AR | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 305030538 | 35756094 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | IL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305030538 | 35756095 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | IL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305029212 | 35761826 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | IL | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304846958 | 35755867 |  | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. |  |  |  |  |  |  |  |  |  | 2 | B | B | B |  | AR | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304846958 | 35761835 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | AR | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304896195 | 35761846 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | MI | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304983634 | 35750873 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 | C A | C A | C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304983634 | 35750874 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 | C A | C A | C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305030502 | 35756047 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | B A |  |  | Non QM | Non QM | No |
| 305030502 | 35763753 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. Secondary valuation from subject transaction is missing. Sec ID: 49 | Note Date: ___; Lien Position: ___ | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has been with current employer for 3.5 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx | 02/27/2026 |  |  | 1 | N/A | N/A | N/A |  | CA | Primary | Refinance - Cash-out - Other | B A |  |  | Non QM | Non QM | No |
| 305027019 | 35755926 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 | B | B | B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 305027017 | 35756010 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing Pension award letter to support $xxxx used to qualify |  |  |  | xxxx | 02/10/2026 |  |  | 1 | C A | C A | C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305024965 | 35748755 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 | B | B | B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305024965 | 35761114 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | OK | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305024965 | 35748754 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | B A C | B A | B A |  | OK | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305032272 | 35749022 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 02/09/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305033642 | 35749966 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 02/11/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059227 | 35956591 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | 33.29555% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/03/2026 | 2 | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059267 | 35953342 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 03/13/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059267 | 35953343 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 03/13/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059267 | 35953344 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xx/xx/xxxx). The disclosed Total of Payments in the amount of $xxxx is under disclosed by $xxxx compared to the calculated total of payments of $xxxx which exceeds the $35.00 threshold. | xxxx |  |  |  | xxxx | 03/13/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059275 | 35933154 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 03/05/2026 |  |  | 1 | B A | B A | B A |  | TN | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059275 | 35933180 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 03/16/2026 |  |  | 1 | C A | C A | C A |  | TN | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059239 | 36011434 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 03/10/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059239 | 36013724 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Borrower has lived in subject for 13 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/13/2026 | 2 | C B | C B | C B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059269 | 35932900 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 03/04/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059226 | 35932990 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 03/12/2026 |  |  | 1 | C A | C A | C A |  | UT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059226 | 35933080 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 | C A | C A | C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059226 | 35933081 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 | C A | C A | C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059226 | 35933082 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 | C A | C A | C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059226 | 35933083 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 | C A | C A | C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059226 | 35937873 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Both borrowers are employed by the same employer in 2 different companies owned by the same business owner. Paystubs and W2s both list rounded earnings. Provide an explanation |  |  |  | xxxx | 03/16/2026 |  |  | 1 | C A | C A | C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059260 | 35999129 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Borrower has been with current employer for 8 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/10/2026 | 2 | C B | C B | C B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059246 | 35934265 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | xxxx |  |  |  | xxxx | 03/05/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059246 | 35934330 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xx/xx/xxxx). The disclosed Total of Payments in the amount of $xxxx is under disclosed by $xxxx compared to the calculated total of payments of $xxxx which exceeds the $35.00 threshold. | xxxx |  |  |  | xxxx |  | 03/16/2026 |  | 2 | C B | C B | C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059246 | 35934357 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059280 | 35958116 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | 30.63536% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/03/2026 | 2 | B | B | B |  | UT | Primary | Refinance - Cash-out - Other | B A |  |  | Non QM | Non QM | No |
| 305059268 | 35957563 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. | xxxx |  |  |  |  |  |  |  | 2 | A | A | A |  | TX | Primary | Refinance - Cash-out - Other | B A |  |  | Non QM | Non QM | No |
| 305059268 | 35957564 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | xxxx |  |  |  |  |  |  |  | 2 | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A |  |  | Non QM | Non QM | No |
| 305059268 | 35957565 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx |  |  |  |  |  |  |  | 2 | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Non QM | Non QM | No |
| 305059265 | 35958680 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | xxxx |  |  |  |  |  |  |  | 2 | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059265 | 35958681 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx |  |  |  |  |  |  |  | 2 | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059256 | 35938351 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Borrower has lived in the subject for 7 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/05/2026 | 2 | C B | C B | C B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 305059277 | 36207473 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | CO | Primary | Refinance - Cash-out - Other | D B C A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059277 | 35986700 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 | C A | C A | C A |  | CO | Primary | Refinance - Cash-out - Other | D B C A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059277 | 35986702 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | xxxx |  |  |  | xxxx | 03/06/2026 |  |  | 1 | D A | D A | D A |  | CO | Primary | Refinance - Cash-out - Other | D B C A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059277 | 35986726 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | xxxx | 03/06/2026 |  |  | 1 | C A | C A | C A |  | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059277 | 35986727 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 04/01/2026 |  |  | 1 | B A C | B A | B A |  | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D B C |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059279 | 36055529 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | xxxx | 03/13/2026 |  |  | 1 | C A | C A | C A |  | OK | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059235 | 35933474 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 | C A | C A | C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 305059235 | 35940581 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | 752 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/06/2026 | 2 | C B | C B | C B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 305059254 | 35940584 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 | C A | C A | C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305059254 | 35940586 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 03/13/2026 |  |  | 1 | C A | C A | C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305059276 | 36032219 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 03/13/2026 |  |  | 1 | C A | C A | C A |  | NC | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059276 | 36033121 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/07/2026 |  |  | 1 | C A | C A | C A |  | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059276 | 36033122 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/07/2026 |  |  | 1 | C A | C A | C A |  | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059276 | 36033211 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 03/27/2026 |  |  | 1 | C A | C A | C A |  | NC | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059276 | 36033773 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx |  |  |  | xxxx | 03/11/2026 |  |  | 1 | C A | C A | C A |  | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059286 | 35952339 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059278 | 35941595 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059219 | 35995059 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059255 | 35940600 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 03/05/2026 |  |  | 1 | C A | C A | C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059249 | 35939854 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has been with current employer for 15 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/27/2026 | 2 | C B | C B | C B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059250 | 36094800 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 03/31/2026 |  |  | 1 | B A C | B A | B A |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Non QM | Non QM | Yes |
| 305059250 | 36094802 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 03/31/2026 |  |  | 1 | C A | C A | C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 305059250 | 36094805 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 03/31/2026 |  |  | 1 | A | A | A |  | NJ | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 305059250 | 36094820 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/31/2026 |  |  | 1 | C A | C A | C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 305059250 | 36094828 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has been with current employer for 16 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/07/2026 | 2 | C B | C B | C B |  | NJ | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 305059250 | 36094831 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 03/31/2026 |  |  | 1 | C A | C A | C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 305059250 | 36100222 |  | Credit | Missing Document | General | Missing Document | Missing Document: Credit Card Statement not provided |  | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 | C A | C A | C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 305059250 | 36193865 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 03/31/2026 |  |  | 1 | A | A | A |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B |  |  | Non QM | Non QM | Yes |
| 305059261 | 35932466 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 | C A | C A | C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059261 | 35940764 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 | C A | C A | C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059231 | 35959105 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | B A |  |  | Non QM | Non QM | No |
| 305059231 | 35959102 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Borrower has lived in the subject property for 9 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/03/2026 | 2 | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | B A |  |  | Non QM | Non QM | No |
| 305059288 | 35935802 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xx/xx/xxxx). The disclosed Total of Payments in the amount of $xxxx is under disclosed by $xxxx compared to the calculated total of payments of $xxxx which exceeds the $35.00 threshold. | xxxx |  |  |  | xxxx |  | 03/27/2026 |  | 2 | C B | C B | C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059229 | 35953198 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 | B | B | B |  | NV | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059247 | 36077037 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 03/17/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059262 | 35939583 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Borrower has been with current employer for 5 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/27/2026 | 2 | C B | C B | C B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305059266 | 35953901 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/19/2026 |  | 2 | C B | C B | C B |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059266 | 35953902 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/19/2026 |  | 2 | C B | C B | C B |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059228 | 35952772 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 03/04/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305059228 | 35952774 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 03/04/2026 |  |  | 1 | B A C | B A | B A |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Non QM | Non QM | Yes |
| 305059228 | 35952775 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 03/04/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305059228 | 35952776 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 03/04/2026 |  |  | 1 | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305059228 | 35952784 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/04/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305064456 | 36095462 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 | C A | C A | C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064456 | 36100495 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Ineligible first lien. The primary mortgage is a Balloon due prior to maturity date of new 2nd mortgage. Lender approved exception. | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has been with current employer for 17 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/24/2026 | 2 | C B | C B | C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064445 | 36095028 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305064445 | 36095032 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305064445 | 36095033 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305064445 | 36095034 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 305064445 | 36101033 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 | B A C | B A | B A |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Non QM | Non QM | Yes |
| 305064446 | 36094564 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 | B | B | B |  | CA | Primary | Refinance - Rate/Term | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064440 | 36095049 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 04/06/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305064444 | 36103694 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | 780 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/31/2026 | 2 | C B | C B | C B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064444 | 36104831 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception. The income from the accessory unit is reported separately on Schedule E and the income is being used to qualify | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | 780 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/31/2026 | 2 | C B | C B | C B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064438 | 36113440 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 03/30/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305064452 | 36095474 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use Rental income from ADU. Per the appraisal, the ADU has a separate address, Ingress/Egress and is metered separately | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | 820 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/24/2026 | 2 | C B | C B | C B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064466 | 36253901 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx |  |  |  | xxxx | 04/08/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305064466 | 36253911 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | xxxx | 04/08/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064466 | 36253914 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | xxxx | 04/08/2026 |  |  | 1 | B A | B A | B A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064466 | 36253919 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Award letter is missing to verify continuance of pension income. |  |  |  | xxxx | 04/08/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064466 | 36253921 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 04/08/2026 |  |  | 1 | B A C | B A | B A |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305064466 | 36253922 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 04/08/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064466 | 36255454 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  | xxxx | 04/08/2026 |  |  | 1 | B A | B A | B A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064464 | 36106186 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 03/20/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064432 | 36143318 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 03/30/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305064454 | 36094846 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 04/13/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064454 | 36102059 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 04/06/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064443 | 36101224 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Borrower has lived in subject property for 7 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/24/2026 | 2 | C B | C B | C B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 305095405 | 36307777 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | CO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 305095405 | 36304944 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 04/20/2026 |  |  | 1 | B A C | B A | B A |  | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 305095405 | 36304945 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 04/20/2026 |  |  | 1 | C A | C A | C A |  | CO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 305095383 | 36293610 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 04/18/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305095409 | 36307761 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | VA | Investment | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 305095409 | 36297696 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 04/20/2026 |  |  | 1 | B A C | B A | B A |  | VA | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 305095409 | 36297697 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 04/20/2026 |  |  | 1 | C A | C A | C A |  | VA | Investment | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 305095393 | 36307767 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 | A B | B | A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 305095393 | 36296106 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 04/20/2026 |  |  | 1 | B A C | B A | B A |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 305095393 | 36296107 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 04/20/2026 |  |  | 1 | C A | C A | C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 305095399 | 36295119 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 04/17/2026 |  |  | 1 | A | A | A |  | PA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305095399 | 36295151 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | 30.65558% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/20/2026 | 2 | C B | C B | C B |  | PA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305095399 | 36298335 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 04/17/2026 |  |  | 1 | C A | C A | C A |  | PA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## Exhibit 99.4

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.4**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Customer Loan ID** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **S&P** | **Morningstar** | **Morningstar** |
| 304400473 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304752007 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304751986 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304752004 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304752015 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304726492 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304752413 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304751846 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304852050 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304855002 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304862359 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304862360 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304871614 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304889298 | A | A B |  |  |  |  |  | A B | A | A B |  |  |  |  |  | A B |  |
| 304907202 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 305012635 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305027841 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 305027108 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305030743 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 305029589 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 305026565 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 305024063 | A | B C |  |  |  |  |  | B C | A | B |  |  |  |  |  | B |  |
| 305013526 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305013289 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305023766 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305033725 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305032515 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305026153 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304858916 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304908608 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 305012423 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305028284 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 305030550 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305029297 | A | B C |  |  |  |  |  | B C | A | B |  |  |  |  |  | B |  |
| 305026470 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305023765 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305013230 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305030697 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 305029669 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305033567 | A | A B |  |  |  |  |  | A B | A | A B |  |  |  |  |  | A B |  |
| 305031511 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305037845 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305036642 | A | A B |  |  |  |  |  | A B | A | A B |  |  |  |  |  | A B |  |
| 305031200 | A | A B |  |  |  |  |  | A B | A | A B |  |  |  |  |  | A B |  |
| 304873087 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304911718 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305028282 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305027409 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 305027051 | A | A B |  |  |  |  |  | A B | A | A B |  |  |  |  |  | A B |  |
| 305028963 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 305026197 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305025025 | C | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 305013234 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305025027 | C | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 305031198 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305031094 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305031721 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305031271 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 305031700 | A | A B |  |  |  |  |  | A B | A | A B |  |  |  |  |  | A B |  |
| 305023773 | A | A B |  |  |  |  |  | A B | A | A B |  |  |  |  |  | A B |  |
| 305031207 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305036894 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304889301 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304907182 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304909510 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305012543 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305031011 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305029668 | B | C |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 305024964 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305024465 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305023982 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305023772 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305029841 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 305029734 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305029677 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305036548 | A | A B |  |  |  |  |  | A B | A | A B |  |  |  |  |  | A B |  |
| 304876067 | C | A |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304903218 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304909805 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305028278 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305027284 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 305034578 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305030540 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 305028480 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305028470 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305024967 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 305024756 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 305031203 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 305030990 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 305027451 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 305027405 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 305036075 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305033655 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305038853 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305038737 | A | A B |  |  |  |  |  | A B | A | A B |  |  |  |  |  | A B |  |
| 305038770 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 305036840 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304889949 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304897325 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304908593 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 305012431 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305028469 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305027407 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 305031272 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305025214 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305025213 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305023764 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 305023583 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305028479 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 305028286 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305034588 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 305038787 | B | A B |  |  |  |  |  | B | B | A B |  |  |  |  |  | B |  |
| 304873540 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304909793 | A | A B |  |  |  |  |  | A B | A | A B |  |  |  |  |  | A B |  |
| 305012422 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305028243 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305027197 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305031210 | A | A B |  |  |  |  |  | A B | A | A B |  |  |  |  |  | A B |  |
| 305029722 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305026578 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305026576 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305023584 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305025211 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305013293 | A | A B |  |  |  |  |  | A B | A | A B |  |  |  |  |  | A B |  |
| 305032276 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305029592 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 305029295 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305025033 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305034586 | C | A B |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 305031550 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305036240 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304895460 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304905066 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304907275 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305012424 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305027840 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305027107 | A | A B |  |  |  |  |  | A B | A | A B |  |  |  |  |  | A B |  |
| 305030546 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 305026171 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305025215 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305013527 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305013523 | D | A |  |  |  |  |  | D | A | A |  |  |  |  |  | A |  |
| 305032281 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305031316 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305030605 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 305030511 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 305038025 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 305036892 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305032456 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305012634 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305027845 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 305027196 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305030911 | A | A B |  |  |  |  |  | A B | A | A B |  |  |  |  |  | A B |  |
| 305029667 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305026573 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305025024 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305024922 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 305024822 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 305013620 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305030545 | C | B |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 305030538 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305029212 | A | A B |  |  |  |  |  | A B | A | A B |  |  |  |  |  | A B |  |
| 305027049 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305030510 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305036896 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304846958 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304896195 | A | A B |  |  |  |  |  | A B | A | A B |  |  |  |  |  | A B |  |
| 304909723 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304983634 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305027282 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305031702 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305030502 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 305027019 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 305027017 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305024965 | A | B C |  |  |  |  |  | B C | A | B |  |  |  |  |  | B |  |
| 305024954 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305013557 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305032272 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305030991 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305033642 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305031513 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059221 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059272 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059227 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 305059267 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305059273 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059275 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305059239 | C | C |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 305059238 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059269 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305059226 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305059252 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059258 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059260 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 305059246 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 305059270 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059280 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 305059268 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 305059265 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 305059256 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 305059277 | C | D |  |  |  |  |  | D | A | A B |  |  |  |  |  | A B |  |
| 305059264 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059287 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059283 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059282 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059263 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059291 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059271 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059279 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305059234 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059235 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 305059254 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305059276 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305059292 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059253 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059236 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059244 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059251 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059284 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059286 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 305059242 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059278 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305059219 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305059223 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059224 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059222 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059241 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059257 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059245 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059255 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305059249 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 305059250 | C | C |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 305059261 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305059290 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059293 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059231 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 305059230 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059225 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059285 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059220 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059288 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 305059243 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059229 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 305059247 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305059262 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 305059266 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 305059248 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059240 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059228 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305059237 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059233 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059259 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305059274 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064437 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064439 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064429 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064458 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064456 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 305064441 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064445 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305064434 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064425 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064446 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 305064428 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064460 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064453 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064451 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064440 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305064467 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064457 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064462 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064444 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 305064431 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064438 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305064452 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 305064442 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064463 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064465 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064436 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064466 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305064455 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064430 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064447 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064435 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064464 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305064461 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305064432 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305064454 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305064443 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 305064433 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305095389 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305095395 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305095405 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 305095383 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 305095398 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305095411 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305095408 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305095409 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 305095394 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305095393 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 305095385 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305095386 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305095399 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 305095390 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305095410 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 305095388 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |

---

## Exhibit 99.5

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 304400473 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304752007 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304751986 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304752004 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304752015 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304726492 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304752413 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304751846 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.990% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304852050 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304855002 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304862359 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304862360 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304871614 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889298 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304907202 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305012635 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305027841 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.120% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| 305027108 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030743 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305029589 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305026565 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024063 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305013526 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305013289 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| 305023766 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305033725 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 305032515 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305026153 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304858916 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304908608 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305012423 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 305028284 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030550 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305029297 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305026470 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 305023765 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305013230 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030697 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305029669 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305033567 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 305031511 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 305037845 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305036642 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305031200 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304873087 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304911718 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305028282 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305027409 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 305027051 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305028963 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305026197 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305025025 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305013234 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305025027 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 305031198 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.260% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305031094 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 305031721 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305031271 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 305031700 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305023773 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305031207 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 305036894 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889301 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304907182 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304909510 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305012543 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 305031011 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 305029668 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305024964 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024465 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305023982 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305023772 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305029841 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| 305029734 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305029677 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 305036548 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304876067 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304903218 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304909805 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305028278 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305027284 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305034578 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030540 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 305028480 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305028470 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 305024967 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024756 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305031203 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030990 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305027451 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| 305027405 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305036075 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305033655 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305038853 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305038737 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305038770 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305036840 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304889949 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304897325 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304908593 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305012431 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 305028469 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305027407 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 305031272 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305025214 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 305025213 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305023764 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305023583 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305028479 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305028286 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 305034588 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305038787 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304873540 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304909793 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305012422 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305028243 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305027197 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305031210 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305029722 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 5.00 |
| 305026578 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305026576 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| 305023584 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305025211 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305013293 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305032276 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305029592 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.430% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 305029295 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| 305025033 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| 305034586 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 305031550 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305036240 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304895460 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304905066 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 304907275 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 305012424 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 305027840 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305027107 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030546 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305026171 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305025215 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 305013527 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305013523 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305032281 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305031316 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 305030605 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030511 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305038025 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 305036892 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305032456 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305012634 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| 305027845 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305027196 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030911 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305029667 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 305026573 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305025024 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024922 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305024822 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 305013620 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 305030545 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| 305030538 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 305029212 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305027049 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030510 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305036896 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304846958 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304896195 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304909723 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304983634 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 305027282 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305031702 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030502 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 305027019 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305027017 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024965 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 305024954 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 305013557 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305032272 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 305030991 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305033642 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305031513 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 305059221 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059272 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059227 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059267 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059273 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059275 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 305059239 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059238 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059269 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059226 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059252 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059258 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059260 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059246 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059270 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059280 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059268 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059265 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059256 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059277 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059264 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059287 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059283 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059282 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059263 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059291 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059271 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059279 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059234 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059235 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059254 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059276 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305059292 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059253 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059236 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059244 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059251 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059284 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059286 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059242 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059278 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305059219 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059223 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059224 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059222 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059241 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059257 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059245 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059255 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059249 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059250 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059261 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059290 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059293 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059231 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059230 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059225 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059285 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059220 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059288 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059243 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059229 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 305059247 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059262 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059266 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059248 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059240 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059228 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059237 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059233 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059259 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305059274 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064437 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064439 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064429 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064458 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064456 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064441 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064445 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064434 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064425 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064446 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064428 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064460 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064453 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064451 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064440 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064467 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064457 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064462 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064444 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064431 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064438 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064452 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 305064442 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064463 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064465 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064436 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064466 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064455 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064430 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064447 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064435 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064464 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064461 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064432 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064454 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064443 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064433 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305095389 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305095395 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305095405 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305095383 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305095398 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305095411 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305095408 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305095409 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305095394 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305095393 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305095385 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305095386 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305095399 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305095390 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305095410 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305095388 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.6

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.6**

![](ex996001.jpg)

**EXECUTIVE SUMMARY**

**JPMMT 2026-CES3**

**By Clarifii LLC on June 12, 2026**

JPMMT 2026-CES3 Due Diligence Narrative Report – PagE \| 1

![](ex996001.jpg)

 **CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 9 loans (the "Loans" or the "Pool") and the Loans were subsequently acquired by JPMorgan Chase Bank, National Association (the "Client") for the JPMMT 2026-CES3 transaction. The Loans referenced in this narrative report were reviewed in between 01/2026 to 02/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2209750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2209750.00** |

---

The Review consisted of a population of 9 Loans, with an aggregate principal balance of $2,209,750.00.

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

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

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

**LOAN SAMPLING**

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

JPMMT 2026-CES3 Due Diligence Narrative Report – PagE \| 2

![](ex996001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019; <br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025  |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, April 30, 2026 |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |

---

JPMMT 2026-CES3 Due Diligence Narrative Report – PagE \| 3

![](ex996001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |

---

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

JPMMT 2026-CES3 Due Diligence Narrative Report – PagE \| 4

![](ex996001.jpg)

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

● **Fraud Review** 

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

– Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Social
 Security inconsistencies

JPMMT 2026-CES3 Due Diligence Narrative Report – PagE \| 5

![](ex996001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 name variations

– Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 property ownership history

– Employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
 lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 officer

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

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● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

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– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

If applicable, Clarifii reviewed Loans to determine their conformity with the ATR/QM factors above, and did not render an independent assessment or opinion, warranty or represent that a Loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR, or other status based on any additional or

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revised factors that may be considered by legislative, regulatory, administrative, or judicial authorities (Authorities). Clarifii does not represent or warrant that the factors for which it has reviewed that the Loans constitute all the factors and/or criteria that Authorities may consider in determining the status of a Loan.

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

**VALUATION REVIEW**

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

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 

Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● **Uniform Standards of Professional Appraisal Practice (USPAP)** 

Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

● In the event the Desk Review process yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish the supported value, unless guidelines allowed for the use of the lower Desk Review value for purpose of LTV/CLTV/HCLTV.

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

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

**VALUATION RESULTS SUMMARY**

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

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp; 2 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

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**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

 **Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Overall Review Results – S&P, Fitch, Kroll, & DBRS** | &nbsp;&nbsp;**Final Overall Review Results – S&P, Fitch, Kroll, & DBRS** | &nbsp;&nbsp;**Final Overall Review Results – S&P, Fitch, Kroll, & DBRS** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;8 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** |

---

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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.

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary - S&P, Fitch, Kroll, & DBRS** | &nbsp;&nbsp;**Final Credit Grade Summary - S&P, Fitch, Kroll, & DBRS** | &nbsp;&nbsp;**Final Credit Grade Summary - S&P, Fitch, Kroll, & DBRS** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary - S&P\*** | &nbsp;&nbsp;**Final Property Grade Summary - S&P\*** | &nbsp;&nbsp;**Final Property Grade Summary - S&P\*** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;77.78% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;2 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** |

---

*\* Per S&P Global Ratings, 2<sup>nd</sup> liens that do not require a secondary valuation product to support the primary value per program guidelines should be represented as Property Grade N/A when a secondary valuation product is not provided within the loan file.* 

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary - Fitch** | &nbsp;&nbsp;**Final Property Grade Summary - Fitch** | &nbsp;&nbsp;**Final Property Grade Summary - Fitch** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** |

---

JPMMT 2026-CES3 Due Diligence Narrative Report – PagE \| 16

![](ex996001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary – Kroll\*** | &nbsp;&nbsp;**Final Property Grade Summary – Kroll\*** | &nbsp;&nbsp;**Final Property Grade Summary – Kroll\*** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;77.78% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;2 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;Total | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |

---

*\* Per Kroll Bond Rating Agency, LLC, 2<sup>nd</sup> liens that do not require a secondary valuation product to support the primary value per program guidelines should be represented as Property Grade N/A when a secondary valuation product is not provided within the loan file.* 

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary – DBRS\*** | &nbsp;&nbsp;**Final Property Grade Summary – DBRS\*** | &nbsp;&nbsp;**Final Property Grade Summary – DBRS\*** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;77.78% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;2 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** |

---

*\* Per DBRS, Inc., 2<sup>nd</sup> liens that do not require a secondary valuation product to support the primary value per program guidelines should be represented as Property Grade N/A when a secondary valuation product is not provided within the loan file.* 

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary - S&P, Fitch, Kroll, & DBRS** | &nbsp;&nbsp;**Final Compliance Grade Summary - S&P, Fitch, Kroll, & DBRS** | &nbsp;&nbsp;**Final Compliance Grade Summary - S&P, Fitch, Kroll, & DBRS** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;8 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** |

---

JPMMT 2026-CES3 Due Diligence Narrative Report – PagE \| 17

![](ex996001.jpg)

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2209750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2209750.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;7 | &nbsp;&nbsp;77.78% | &nbsp;&nbsp;$1562750.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;2 | &nbsp;&nbsp;22.22% | &nbsp;&nbsp;$647000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2209750.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2209750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2209750.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2209750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2209750.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2209750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2209750.00** |

---

JPMMT 2026-CES3 Due Diligence Narrative Report – PagE \| 18

![](ex996001.jpg)

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;9 | &nbsp;&nbsp;66.67% |

---

JPMMT 2026-CES3 Due Diligence Narrative Report – PagE \| 19

![](ex996001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Data
Compare Report

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

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

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

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

**Disclaimer**

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

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

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

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

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

JPMMT 2026-CES3 Due Diligence Narrative Report – PagE \| 20

## Exhibit 99.7

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.7**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 305046180 | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | per assets |
| XXXX | XXXX | 305046180 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.38 | 44.04 | Due to Lender hit borrower double for taxes/insurance |
| XXXX | XXXX | 305046186 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.34 | 20.83 | lender did not include 1st lien P&I into ratios. |
| XXXX | XXXX | 305046196 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.76 | 37.16 | Audit calcluated higher REO loss |

---

## Exhibit 99.8

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | XXXX | 305046195 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305046197 D B A C | Closed | FCRE1325 | 2026-01-28 16:28 | 2026-02-11 16:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-provided proof of ownership and that they are the same in co. thru state pulled documents. the snap shot is for the document sent XXXX. It shows the name as looked up with same document # - Due Diligence Vendor-02/11/2026 <br> Counter-Client provided snap shot of XXXX, Status Name HS, please provide opened document number to reflect current status - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. Doc from XXXX state sight shows names are the same person and company see doc number - Seller-02/04/2026 <br> Open-Borrower 1 CPA Letter Missing The CPA letter and the loan application reflect that the business name is XXXX. However, the bank statements reflects the business name as XXXX. Must verify that XXXX and XXXX are one and the same. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Doc from XXXX state sight shows names are the same person and company see doc number - Seller-02/04/2026 | Resolved-provided proof of ownership and that they are the same in co. thru state pulled documents. the snap shot is for the document sent XXXX. It shows the name as looked up with same document # - Due Diligence Vendor-02/11/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.87<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 77.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7339359 |
| XXXX | XXXX | 305046197 D B A C | Closed | FCRE1506 | 2026-01-28 16:56 | 2026-02-11 16:30 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-VOM from XXXX confirms 0x30 from XXXX thru XXXX - 12+ Months verified.<br> - Due Diligence Vendor-02/11/2026 <br> Counter-Client provided warranty deed for property however missing the verification of payment history by business from XXXX-XXXX then home was transferred to borrowers name which the CR has a 2 month verified - Due Diligence Vendor-02/06/2026 <br> Ready for Review-already uploaded docs yesterday XXXX on prior condition - Seller-02/05/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. The credit report and mortgage statements verify the borrower's housing history from XXXX through XXXX5 (6 months). The file does not contain a 12 month housing history as required by the guidelines. No prior mortgage reporting on credit. - Due Diligence Vendor-01/28/2026 | Ready for Review-already uploaded docs yesterday XXXX on prior condition - Seller-02/05/2026 | Resolved-VOM from XXXX confirms 0x30 from XXXX thru XXXX - 12+ Months verified.<br> - Due Diligence Vendor-02/11/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.87<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 77.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7339834 |
| XXXX | XXXX | 305046197 D B A C | Closed | FCRE1440 | 2026-01-28 16:49 | 2026-02-11 14:58 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOM from XXXX confirms 0x30 from XXXX thru XXXX - 12+ Months verified. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-what is required for this one to clear - Seller-02/10/2026 <br> Counter-Client provided deed dated XXXX for property in borrowers business name. XXXX deeded to her name in XXXX. Housing History per GL state 12 months required for Primary and Subject property - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. The borrower initially purchased the property in XXXX Companies name XXXX. The mortgage (attached) was in XXXX company name not her name therefore did not report to credit. - Seller-02/04/2026 <br> Open-Housing History Does Not Meet Guideline Requirements The credit report and mortgage statements verify the borrower's housing history from XXXX through XXXX (6 months). The file does not contain a 12 month housing history as required by the guidelines. No prior mortgage reporting on credit. Prior residence shows as owned. - Due Diligence Vendor-01/28/2026 | Ready for Review-what is required for this one to clear - Seller-02/10/2026 <br> Ready for Review-Document Uploaded. The borrower initially purchased the property in XXXX Companies name XXXX. The mortgage (attached) was in XXXX company name not XXXX name therefore did not report to credit. - Seller-02/04/2026 | Resolved-VOM from XXXX confirms 0x30 from XXXX thru XXXX - 12+ Months verified. - Due Diligence Vendor-02/11/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.87<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 77.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7339709 |
| XXXX | XXXX | 305046197 D B A C | Closed | FCRE8201 | 2026-01-28 15:55 | 2026-02-06 10:02 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Client provided warranty deeds to validate ownership and date - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. Borrower has owned property since XXXX, XXXX company XXXX purchased it then in XXXX XXXX quit claimed out of her company name and to XXXX own when she did a refi. Docs attached - Seller-02/04/2026 <br> Open-The guidelines Section 2.8 state that Properties owned less than six (6) months are ineligible. Public records show that the borrower acquired the property on XXXX, which is less than 6 months prior to the note date of XXXX. (5 months 23 days)<br> - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Borrower has owned property since XXXX, XXXX company XXXX purchased it then in July she quit claimed out of XXXX company name and to XXXX own when she did a refi. Docs attached - Seller-02/04/2026 | Resolved-Client provided warranty deeds to validate ownership and date - Due Diligence Vendor-02/06/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.87<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 77.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7338816 |
| XXXX | XXXX | 305046197 D B A C | Closed | FCOM1353 | 2026-01-28 13:46 | 2026-02-02 11:03 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/28/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.87<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 77.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7336098 |
| XXXX | XXXX | 305046180 D A | Closed | FCOM1352 | 2026-01-29 19:05 | 2026-02-24 14:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Certification of Business Purpose. - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. Business Purpose Cert/Affidavit attached - Seller-02/23/2026 <br>Counter-Received Occupancy Affidavit. Missing Business Purpose Cert/Affidavit - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. - Seller-02/03/2026 <br>Counter-Finding remains....Cash Out letter provided however missing Business Purpose Cert/Affidavit - Due Diligence Vendor-02/03/2026 <br>Counter-Per Verus closed end seconds a Borrower Certification of Business Purpose form is required– section 3.5.6 - All investment occupancy loans are considered business purpose transactions and require the borrower to acknowledge the loan is a business purpose loan by completing and signing the appropriate sections of the Borrower Certification of Business Purpose form in this guide. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. please note an LOE was uploaded with credit pkg. please see reupload attached - Seller-02/02/2026 <br>Open-The Business Purpose Affidavit Disclosure is Missing Business purpose letter missing - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. Business Purpose Cert/Affidavit attached - Seller-02/23/2026 <br>Ready for Review-Document Uploaded. - Seller-02/03/2026 <br>Ready for Review-Document Uploaded. please note an LOE was uploaded with credit pkg. please see reupload attached - Seller-02/02/2026<br>| Resolved-Received Certification of Business Purpose. - Due Diligence Vendor-02/24/2026<br>| Months Reserves exceed minimum required - 5 Months Reserves exceed 0 minimum required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.38 Required is 50 Borrower has 41.38 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7362174 |
| XXXX | XXXX | 305046198 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305046185 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305046186 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305046183 C A | Closed | FCRE1440 | 2026-02-11 07:51 | 2026-02-25 14:50 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Final CD for new primary - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see the upl final cd - Seller-02/24/2026 <br> Counter-Received revised 1003. Please provide the CD for the primary (XXXX). - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 <br> Counter-Finding remains. Client provided corrected 1003 to reflect XXXX as primary. Please provide final executed CD for XXXX. or provide Credit Supplement. LOX from borrower for correct housing history as it appears the 12 month history has been met if she has lived at 3510 S XXXX Place past 2 years - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. please see the upl docs - Seller-02/17/2026 <br> Open-Housing History Does Not Meet Guideline Requirements - Missing 12 months housing history from Primary residence. per 1003 the lender is the new mortgage. also 1003 is incomplete appears as XXXX is the primary however its an investment property per 1008 and final 1003. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. Please see the upl final cd - Seller-02/24/2026 <br>Ready for Review-Document Uploaded. - Seller-02/20/2026 <br>Ready for Review-Document Uploaded. please see the upl docs - Seller-02/17/2026<br>| Resolved-Received Final CD for new primary - Due Diligence Vendor-02/25/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.53 Required is 50 Borrower has 44.53<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 776 Required is 720 Borrower has 776 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7555803 |
| XXXX | XXXX | 305046183 C A | Closed | FCRE7009 | 2026-02-11 11:47 | 2026-02-23 16:10 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received HOI w/RCE. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. please see the upl HOI policy - Seller-02/20/2026 <br> Counter-Finding remains. Client provided HOI for a different property than subject. XXXX. Provide Hazard policy reflected sufficient coverage - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. please see the upl doc - Seller-02/17/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. please see the upl HOI policy - Seller-02/20/2026 <br>Ready for Review-Document Uploaded. please see the upl doc - Seller-02/17/2026<br>| Resolved-Received HOI w/RCE. - Due Diligence Vendor-02/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.53 Required is 50 Borrower has 44.53<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 776 Required is 720 Borrower has 776 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7561937 |
| XXXX | XXXX | 305046183 C A | Closed | FCRE6618 | 2026-02-11 07:52 | 2026-02-23 16:06 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received revised 1003 - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 <br> Counter-Client provided corrected 1003. Subject property is investment. Borrower lives at XXXX. Provide fully executed corrected 1003 that is uploaded here - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. - Seller-02/17/2026 <br> Open-per final 1003 appears as subject address : 3510 S Woodard place is the primary however its an investment property per 1008 and final 1003 on REO Schedule has 3b as primary. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. - Seller-02/20/2026 <br>Ready for Review-Document Uploaded. - Seller-02/17/2026<br>| Resolved-Received revised 1003 - Due Diligence Vendor-02/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.53 Required is 50 Borrower has 44.53<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 776 Required is 720 Borrower has 776 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7555813 |
| XXXX | XXXX | 305046192 C A | Closed | finding-47 | 2026-02-10 09:58 | 2026-02-13 09:43 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-----Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Uploaded final SS & PCCD - Seller-02/12/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. Uploaded final SS & PCCD - Seller-02/12/2026<br>| Resolved-----Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-02/13/2026 | CLTV is less than guidelines maximum - Required is 90 Borrower has 79.92<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 734 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7535614 |
| XXXX | XXXX | 305046196 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.9

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.9**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Kroll** | **Initial Property Loan Grades Moody's** | **Initial Property Loan Grades S&P** | **Initial Overall Loan Grades Moody's** | **Final Credit Loan Grades Moody's** | **Final Compliance Loan Grades Moody's** | **Final Property Loan Grades DBRS** | **Final Property Loan Grades Kroll** | **Final Property Loan Grades Moody's** | **Final Property Loan Grades S&P** | **Final Overall Loan Grades Moody's** |
| XXXX | XXXX | 305046195 | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | XXXX | 305046197 | XXXX D | N/A D C | N/A C | N/A | N/A | N/A | N/A D | N/A D | N/A B | N/A B | N/A | N/A | N/A | N/A B | N/A B |
| XXXX | XXXX | 305046180 | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | XXXX | 305046198 | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | XXXX | 305046185 | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | XXXX | 305046186 | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | XXXX | 305046183 | XXXX C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305046192 | XXXX A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | XXXX | 305046196 | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |

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## Exhibit 99.10

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.10**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 305046195 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.8 | 69.53 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305046197 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.93 | 77.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305046180 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 13.56 | 65.8 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305046198 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.07 | 33.34 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305046185 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.66 | 73.35 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305046186 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.42 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305046183 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | AVM |  |  |  | XXXX | 30.93 | 79.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305046192 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 44.57 | 79.92 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305046196 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 30.91 | 74.65 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.11

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.11**

![](ex9911001.jpg)

![](image_001.jpg)

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

![](ex9911003.jpg)

**Table of Contents**

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| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;*Sampling* | *3* |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | *3* |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | *4* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Capture* | *7* |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | 7 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **18** |

---

JPMMT 2026-CES3 Due Diligence Narrative Report Page \| 1 June 12, 2026

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**Clayton Contact Information** 

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex9911004.jpg) | **Chris Turk** | Senior Client Service Director |

---

Phone: (813) 472-6509/E-mail: <u>cturk@clayton.com</u>

---

| | | |
|:---|:---|:---|
| ![](ex9911004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |

---

Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u>

**Overview**

On behalf of NewRez LLC ("NewRez"), Clayton conducted an independent third-party pre-securitization due diligence review of 1,354 residential loans. The due diligence for NewRez (1,354 loans) took place between October, 2024 and April, 2026.

JPMorgan Chase Bank, National Association ("JPMorgan") acquired this diligence through a Reliance Letter purchase and selected these loans for the JPMMT 2026-CES3 transaction.

On behalf of Hometown Equity Mortgage ("theLender"), Clayton conducted an independent third-party pre-securitization due diligence review of 6 residential loans. The due diligence for theLender (6 loans) took place between January, 2026 and February, 2026.

JPMorgan Chase Bank, National Association ("JPMorgan") acquired this diligence through a Reliance Letter purchase and selected these loans for the JPMMT 2026-CES3 transaction.

On behalf of JPMorgan Chase Bank, National Association ("JPMorgan"), Clayton conducted an independent third-party pre-securitization due diligence review of 1,446 residential loans. The due diligence for JPMorgan (1,446 loans) took place between December, 2025 and April, 2026.

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 | 51 | 1.82% |
| Correspondent Bulk | 528 | 18.82% |
| Correspondent Flow with delegated underwriting | 171 | 6.09% |
| Correspondent Flow without delegated underwriting | 313 | 11.15% |
| Direct to Consumer | 1156 | 41.2% |
| Retail | 587 | 20.92% |
| **Total** | **2806** | **100.00%** |

---

JPMMT 2026-CES3 Due Diligence Narrative Report Page \| 2 June 12, 2026

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

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

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below. <br> Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | &nbsp;&nbsp;***Loan Count*** <br> ***Reviewed by Clayton*** <br>| ***Scope Applied*** |
| **Full Review** | 28067 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | &nbsp;&nbsp;2806<br>|  |

---

Sponsor Acquisition Criteria

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

Loan Grading

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

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

JPMMT 2026-CES3 Due Diligence Narrative Report Page \| 3 June 12, 2026

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

![](ex9911005.jpg)

TPR Component Review Scope

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

Credit Review

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

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

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

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

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

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

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

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

JPMMT 2026-CES3 Due Diligence Narrative Report Page \| 4 June 12, 2026

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Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal or AVM Assessment (2,806 loans)

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

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

Regulatory Compliance Review

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

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

– Prepayment Penalty restrictions;

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

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

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

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

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

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

JPMMT 2026-CES3 Due Diligence Narrative Report Page \| 5 June 12, 2026

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

– Homeownership Counseling Notice; and

– Affiliated Business Disclosure if applicable.

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

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

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

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

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

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

JPMMT 2026-CES3 Due Diligence Narrative Report Page \| 6 June 12, 2026

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Anti-predatory lending laws

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

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payment

Data Capture

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

Data Integrity

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

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

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

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

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

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

JPMMT 2026-CES3 Due Diligence Narrative Report Page \| 7 June 12, 2026

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**Data Compare Results**

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

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
| ATR/QM Status | 4 | 99.86% |
| Borrower 2 First Name | 1 | 99.96% |
| Borrower 2 Last Name | 1 | 99.96% |
| Combined LTV | 77 | 97.26% |
| County Name | 3 | 99.89% |
| Debt to Income Ratio (Back) | 316 | 88.74% |
| Disbursement Date | 30 | 98.93% |
| Documentation Type | 2 | 99.93% |
| First Payment Date | 1 | 99.96% |
| Interest Only Term Flag | 7 | 99.75% |
| Lender Application Date | 300 | 89.31% |
| Loan Purpose | 11 | 99.61% |
| Maturity Date | 3 | 99.89% |
| Note Rate | 11 | 99.61% |
| Occupancy Type | 2 | 99.93% |
| Original Appraised Value | 62 | 97.79% |
| Original Balance | 27 | 99.04% |
| Original LTV | 24 | 99.14% |
| Original P&I | 30 | 98.93% |
| Original Term | 4 | 99.86% |
| Origination Channel | 1 | 99.96% |
| Origination Date | 1 | 99.96% |
| Property City | 4 | 99.86% |
| Property State | 2 | 99.93% |
| Property Type | 383 | 86.35% |
| Property Zip | 2 | 99.93% |
| Representative Credit Score for Grading | 18 | 99.36% |
| Seller Loan Number | 118 | 95.79% |
| Total Monthly Income | 7 | 99.75% |

---

JPMMT 2026-CES3 Due Diligence Narrative Report Page \| 8 June 12, 2026

![](ex9911003.jpg)

**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results** 

<u>Loan Pool (2,806 loans)</u>

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 1892 | 44 | 187 | 408 | **2531** |
| **Final** | **B** |  | 123 | 101 | 51 | **275** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **1892** | **167** | **288** | **459** | **2806** |

---

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

**Initial and Final Credit Component Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 2494 | 20 | 100 | 162 | **2776** |
| **Final** | B |  | 26 | 2 | 2 | **30** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **2494** | **46** | **102** | **164** | **2806** |

---

**Initial and Final Property Valuation Grade Results\* (Moody's, Fitch & S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 2012 |  | 7 | 5 | **2024** |
| **Final** | B |  | 3 | 1 |  | **4** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **2012** | **3** | **8** | **5** | **2028** |

---

**\* Per Moodys, Fitch and S&P guidelines, second-lien loans that are assigned a Property Valuation Grade N/A due to the absence of a secondary valuation product in the loan file may be excluded from the Property Valuation Grade Table, and they have been excluded here on that basis.** 

JPMMT 2026-CES3 Due Diligence Narrative Report Page \| 9 June 12, 2026

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**Initial and Final Property Valuation Grade Results\* (Kroll & DBRS)**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **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** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **N/A** | **Total** |
| **Final** | A | 2012 |  | 7 | 5 |  | **2024** |
| **Final** | B |  | 3 | 1 |  |  | **4** |
| **Final** | C |  |  |  |  |  | **0** |
| **Final** | D |  |  |  |  |  | **0** |
| **Final** | N/A |  |  |  |  | 778 | **778** |
| **Final** | **Total** | **2012** | **3** | **8** | **5** | **778** | **2806** |

---

**\* Although Clayton completed a valuation review of each loan that was based on the valuation provided in connection with the origination of the related Mortgage Loan, because Clayton did not review any secondary supporting valuation products, Clayton did not prepare any grading with respect to such valuation review other than with respect to the related mortgage loans as set forth in the tables above. Kroll & DBRS requires the Property Valuation grades be defaulted to N/A in this scenario. The N/A loans do not affect the overall Kroll & DBRS grading schema.**

**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 | 2090 | 37 | 124 | 310 | **2561** |
| **Final** | B |  | 116 | 99 | 30 | **245** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **2090** | **153** | **223** | **340** | **2806** |

---

JPMMT 2026-CES3 Due Diligence Narrative Report Page \| 10 June 12, 2026

![](ex9911003.jpg)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

JPMMT 2026-CES3 Due Diligence Narrative Report Page \| 11 June 12, 2026

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**Appendix A: Credit Review Scope**

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

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

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

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

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

○ Uniform Residential Loan Application reviewed to determine:

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

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

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

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

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ Income review included:

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial
 statements

JPMMT 2026-CES3 Due Diligence Narrative Report Page \| 12 June 12, 2026

![](ex9911003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease
 agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award
 letters

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

○ Asset review included:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository
 account statements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements
 statements

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

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

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

○ Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

– Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold
 estate

– Appropriate vestee(s) were listed on title policy

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

– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

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

– Seller contributions did not exceed maximum allowed

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

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

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○ Hazard/Flood insurance review included:

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

– Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 property

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

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

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

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

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

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**Appendix B: Origination Appraisal Assessment**

Where applicable, Clayton performed the following origination appraisal analysis:

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

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

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

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

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

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

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

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

○ Appraisal report was reasonably complete and included:

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location
 map

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

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

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

– Appraisal date met supplied Sponsor Acquisition Criteria

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

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

○ Title XI of FIRREA:

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

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

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

○ USPAP

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

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

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

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

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

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

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

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

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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing
 time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant
 occupancy

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

– Style of property was reviewed to determine if unique property

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

– Locational and/or environmental concerns adequately addressed if present

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

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

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

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

○ 3 to 4 unit owner occupied properties

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○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

G. Disclaimer

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

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

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

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

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

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**Appendix C: Regulatory Compliance Review Scope** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

○ TILA/RESPA Integrated Disclosures ("TRID")

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

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

● Pre-application forms cannot look similar to the LE

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing
 Requirements:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 Tolerances:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment
 Schedule Accuracy:

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

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

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

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

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

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

● Alphabetization of fees.

● Title fees preceded by "Title –."

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

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

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

● Affiliated Business Disclosure (can impact fee tolerances)

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

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

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

● Accuracy of the Aggregate Adjustment amount.

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

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

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

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

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

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

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

---

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

---

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

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

---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| Arkansas | Maine | Pennsylvania |
| California | Maryland | Rhode Island, including the Providence ordinance |

---

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---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| 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)<br>|
| Illinois, including the Cook County and Chicago ordinances | North Carolina | Wisconsin |
| Indiana | Ohio, including<br>Cleveland Heights ordinance<br>| |
| Kentucky | Oklahoma | |

---

**C.** **Anti-Predatory** 

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

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

---

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

---

JPMMT 2026-CES3 Due Diligence Narrative Report Page \| 22 June 12, 2026

![](ex9911003.jpg)

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| 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:

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

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

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

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

JPMMT 2026-CES3 Due Diligence Narrative Report Page \| 23 June 12, 2026

![](ex9911003.jpg)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

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

JPMMT 2026-CES3 Due Diligence Narrative Report Page \| 24 June 12, 2026

## Exhibit 99.12

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.12**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 305059094 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059093 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059092 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305059092 | XXXXXX | XXXXXX | Property City | XXXXXX | XXXXXX |
| 305059092 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059091 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059090 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059089 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085751 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059088 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305059088 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059087 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059086 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059085 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059084 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059083 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059082 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 22.5730 | 39.6050 |
| 305059082 | XXXXXX | XXXXXX | Occupancy Type | Primary | Investor |
| 305059082 | XXXXXX | XXXXXX | Original Term | 263 | 360 |
| 305059082 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059081 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305059081 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059080 | XXXXXX | XXXXXX | Loan Purpose | Home Improvement | Cashout Refi |
| 305059080 | XXXXXX | XXXXXX | Original Term | 30 | 360 |
| 305059080 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059079 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.0380 | 36.8856 |
| 305059079 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059078 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059077 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.2170 | 45.1516 |
| 305059077 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059076 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305059076 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059075 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059074 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059073 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 23.0700 | 19.3723 |
| 305059073 | XXXXXX | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 305059073 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059072 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059071 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 785 | 754 |
| 305059071 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059070 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059069 | XXXXXX | XXXXXX | Loan Purpose | Purchase | Cashout Refi |
| 305059069 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305059068 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059067 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059066 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059065 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059064 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059063 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305059063 | XXXXXX | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 305059063 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305059063 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305059063 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059062 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059061 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305059061 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 305059061 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305059061 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305059061 | XXXXXX | XXXXXX | Property Type | Manufactured (Dbl) | SFR |
| 305059061 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059060 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305059059 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059058 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 305059058 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059057 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305059057 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.9730 | 34.3771 |
| 305059057 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059056 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 15.4060 | 44.7290 |
| 305059056 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305059056 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059055 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059054 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059053 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059052 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 48.6290 | 39.5827 |
| 305059051 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059050 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059049 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.6070 | 28.8991 |
| 305059049 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059048 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059047 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059046 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059045 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059044 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059043 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 17.8680 | 36.7593 |
| 305059043 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059042 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 22.1350 | 29.5782 |
| 305059042 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059041 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059040 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.1090 | 43.6181 |
| 305059040 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305059040 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085743 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059039 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059038 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 796 | 748 |
| 305059038 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085742 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059036 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305059036 | XXXXXX | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| 305059036 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 305059036 | XXXXXX | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 305059036 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305059036 | XXXXXX | XXXXXX | Property Type | Manufactured (Dbl) | SFR |
| 305059036 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085740 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085738 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085738 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085737 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305059034 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085735 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305085735 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059033 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305059032 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.4790 | 40.3984 |
| 305059032 | XXXXXX | XXXXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc |
| 305059032 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305059032 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085734 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085732 | XXXXXX | XXXXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc |
| 305085732 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089708 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089707 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305085731 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085730 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085729 | XXXXXX | XXXXXX | Loan Purpose | Home Improvement | Cashout Refi |
| 305085729 | XXXXXX | XXXXXX | Original Term | 30 | 360 |
| 305085729 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089706 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089705 | XXXXXX | XXXXXX | Loan Purpose | Purchase | Cashout Refi |
| 305089705 | XXXXXX | XXXXXX | Original Term | 30 | 360 |
| 305089705 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085728 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085727 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085726 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.0420 | 36.6808 |
| 305085726 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085725 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089704 | XXXXXX | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 305089704 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085724 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305085724 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085723 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085722 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305085722 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305085722 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085721 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085720 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085719 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305085719 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.5060 | 20.0654 |
| 305085719 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085717 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089703 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085716 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085715 | XXXXXX | XXXXXX | Property City | XXXXXX | XXXXXX |
| 305085715 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085714 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085713 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 732 | 725 |
| 305085713 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085712 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085711 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085710 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089702 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085709 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.9400 | 39.1489 |
| 305085709 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085708 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 770 | 763 |
| 305085708 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089701 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085707 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085706 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089699 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085705 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089698 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089697 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085704 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085703 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.5800 | 31.4136 |
| 305085703 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085702 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089696 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089695 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089694 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089693 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089692 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 305089692 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085700 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 22.9700 | 27.0560 |
| 305085700 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089691 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085699 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 21.3100 | 41.0523 |
| 305085699 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085698 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 816 | 795 |
| 305085698 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089690 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 715 | 713 |
| 305089690 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089689 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305089688 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305085697 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 48.6600 | 44.6899 |
| 305085697 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305059029 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 26.5380 | 18.8126 |
| 305059029 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305059029 | XXXXXX | XXXXXX | Total Monthly Income | 57873.74 | 38322.57 |
| 305085696 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.5520 | 43.7890 |
| 305085695 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 48.3560 | 36.6078 |
| 305089687 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089686 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085693 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305085692 | XXXXXX | XXXXXX | Property Type | SFR | Attached PUD |
| 305085690 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.0120 | 25.0657 |
| 305085689 | XXXXXX | XXXXXX | Property Type | SFR | SFR-Attached |
| 305059027 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089684 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089684 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305059026 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305059025 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305059025 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089683 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305059024 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.9190 | 36.6533 |
| 305059024 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305059023 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.9660 | 38.7936 |
| 305059022 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.5640 | 37.5444 |
| 305085687 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305085687 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.8530 | 39.6438 |
| 305085687 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085686 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.8750 | 36.6160 |
| 305085686 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305059020 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305059020 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089682 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305059019 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085685 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305059018 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305059017 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.1520 | 30.6056 |
| 305059016 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.3870 | 41.3691 |
| 305059016 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089679 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305059015 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305089678 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 305085682 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305059013 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305059012 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305059012 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305059012 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305059009 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.3970 | 44.8665 |
| 305059005 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305059005 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305059003 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305059003 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089677 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305059002 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| 305059001 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 26.5950 | 21.6311 |
| 305059001 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085679 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.6500 | 28.8720 |
| 305059000 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085677 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.6700 | 34.2570 |
| 305085677 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305085677 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058998 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 20.9130 | 42.0074 |
| 305058998 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058997 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058996 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085676 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058995 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.6570 | 41.7887 |
| 305058995 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058995 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058993 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305089674 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058992 | XXXXXX | XXXXXX | ATR/QM Status | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) |
| 305058991 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.9370 | 35.6900 |
| 305058991 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058991 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085673 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058989 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089673 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058988 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 23.6330 | 31.2920 |
| 305058987 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305058986 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058986 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085671 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.9410 | 37.3234 |
| 305085671 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058980 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085669 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058977 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 28.8750 | 33.8360 |
| 305058976 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305058976 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058975 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 29.5160 | 35.3815 |
| 305058975 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058974 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058973 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085666 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.9800 | 27.6384 |
| 305058970 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058970 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058970 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058967 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058967 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058965 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089669 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085664 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085664 | XXXXXX | XXXXXX | Property Type | SFR | Attached PUD |
| 305058963 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058963 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058962 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 26.6650 | 31.2730 |
| 305058961 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058958 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 29.4670 | 25.2145 |
| 305058957 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085663 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305085662 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085661 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.6630 | 43.2664 |
| 305085661 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085661 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089667 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305089666 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.9950 | 47.8855 |
| 305089666 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058954 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058953 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058953 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058952 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305085659 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058951 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058950 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058950 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058950 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058948 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058946 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058946 | XXXXXX | XXXXXX | Property Type | SFR | Attached PUD |
| 305089664 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085657 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058945 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.1380 | 37.6364 |
| 305058944 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085656 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.1110 | 34.8385 |
| 305058941 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058941 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089663 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058935 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089662 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.4650 | 33.8700 |
| 305085651 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089660 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.6320 | 38.6049 |
| 305089660 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058931 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058931 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058930 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 9.7550 | 16.0932 |
| 305058928 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.5600 | 38.8083 |
| 305058927 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058927 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058925 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085649 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085649 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058924 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058924 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058922 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058920 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058918 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058917 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085641 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085640 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058916 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089654 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089654 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058915 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058909 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.7790 | 45.3656 |
| 305058908 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058907 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| 305085637 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058906 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305085636 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.9760 | 46.4739 |
| 305085636 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089651 | XXXXXX | XXXXXX | Property Type | SFR | Attached PUD |
| 305058903 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058899 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085632 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058897 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058897 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058896 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 19.4120 | 25.8844 |
| 305089648 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058895 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058894 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058894 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058892 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058891 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058889 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 774 | 797 |
| 305058886 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058885 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 22.0410 | 26.5670 |
| 305058884 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089646 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.5720 | 36.0243 |
| 305058882 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058881 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089645 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089645 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058879 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058877 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.7630 | 40.0945 |
| 305058876 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058876 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058875 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058873 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058872 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058872 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 305085626 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089644 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058870 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058870 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305089642 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058867 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085623 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085622 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058866 | XXXXXX | XXXXXX | ATR/QM Status | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) |
| 305089641 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058864 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.7470 | 41.4066 |
| 305085621 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085621 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058863 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058863 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058861 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058860 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058859 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089639 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058858 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.7240 | 41.0021 |
| 305089638 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.1850 | 36.3670 |
| 305085618 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.6290 | 31.0528 |
| 305085617 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085616 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058856 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089636 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058855 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.9450 | 37.4185 |
| 305058854 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058854 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058853 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058851 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305085615 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.0570 | 33.5887 |
| 305085614 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085614 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085613 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089634 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085612 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089633 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085611 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058849 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058848 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058847 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089632 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.7730 | 43.6998 |
| 305085608 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058844 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058844 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085606 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058842 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058841 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085605 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085605 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058839 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085602 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.8240 | 38.8831 |
| 305089629 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058837 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058836 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058833 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058832 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058832 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085600 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085599 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085598 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085597 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305085597 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.4200 | 34.0756 |
| 305085597 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085596 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089628 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058826 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058824 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085595 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058822 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.7350 | 41.8323 |
| 305058822 | XXXXXX | XXXXXX | Total Monthly Income | 4247.11 | 5896.81 |
| 305058821 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 22.0620 | 35.3959 |
| 305058821 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085591 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 29.1620 | 38.4184 |
| 305058819 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.9510 | 38.6927 |
| 305058818 | XXXXXX | XXXXXX | ATR/QM Status | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) |
| 305058817 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.5040 | 36.3838 |
| 305058816 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058815 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058814 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305058814 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058814 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058813 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.4390 | 31.3690 |
| 305058811 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085586 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.1040 | 33.7716 |
| 305085586 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085586 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085586 | XXXXXX | XXXXXX | Total Monthly Income | 12027.86 | 15351.75 |
| 305089624 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.2530 | 35.3697 |
| 305089624 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058806 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058806 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304814308 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 26.7940 | 34.4690 |
| 304814308 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085585 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085584 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058805 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089623 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085583 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 24.9370 | 39.2239 |
| 305058802 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.9810 | 35.1914 |
| 305058802 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058802 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058801 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058800 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058800 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435863 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058795 | XXXXXX | XXXXXX | County Name | XXXXXX | XXXXXX |
| 305058795 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 46.7060 | 43.1209 |
| 305058795 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058795 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058794 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058792 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089622 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 17.3800 | 32.5748 |
| 305089622 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058790 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.6060 | 39.9336 |
| 305058790 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085577 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085574 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305085574 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305058788 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089621 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058784 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058783 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085572 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058781 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 7.0890 | 11.9828 |
| 305058781 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058780 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058779 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305089618 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089617 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058777 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058776 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058776 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085569 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.7240 | 48.8170 |
| 305085568 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085567 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.8010 | 44.5210 |
| 305085567 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058774 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058773 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058773 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058772 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089615 | XXXXXX | XXXXXX | Property Type | SFR | Attached PUD |
| 305058770 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085564 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 21.6360 | 25.2588 |
| 305058768 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089613 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.8240 | 21.8511 |
| 305085561 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.5400 | 33.9436 |
| 305085561 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058767 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305085559 | XXXXXX | XXXXXX | County Name | XXXXXX | XXXXXX |
| 305085559 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058766 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089607 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058761 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085557 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085557 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058755 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058754 | XXXXXX | XXXXXX | Property Type | SFR | Attached PUD |
| 305085556 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305058753 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.4740 | 43.1271 |
| 305089604 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058751 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058750 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058749 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 30.7430 | 27.1241 |
| 305058748 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058746 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058745 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058745 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058744 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058743 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085550 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085549 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305085549 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058740 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058739 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Detached PUD |
| 305058737 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058737 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085547 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058736 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089597 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 20.5560 | 26.6820 |
| 305058735 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 16.0090 | 27.3102 |
| 305058735 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089595 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058733 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058732 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085543 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 24.1440 | 32.7060 |
| 305085543 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058731 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.7920 | 37.1163 |
| 305058731 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058730 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 8.6580 | 25.9476 |
| 305058727 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.9900 | 34.5733 |
| 305058727 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085541 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058724 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058723 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058722 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.6380 | 31.1653 |
| 305058722 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058721 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089594 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085539 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058719 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305089593 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085537 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085537 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058718 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058717 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058715 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.8190 | 31.7792 |
| 305058713 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.0250 | 40.1041 |
| 305058713 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058711 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058709 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085536 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 48.3140 | 41.6455 |
| 305085536 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085535 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058704 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058704 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085534 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058703 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058698 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085531 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085531 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085529 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058694 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085527 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085527 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058691 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085523 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058690 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058690 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058688 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089587 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089586 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058687 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058684 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085519 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058680 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.2230 | 39.4246 |
| 305089585 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085518 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085516 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.6860 | 37.5318 |
| 305085516 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089584 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 23.6490 | 33.3103 |
| 305089584 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Detached PUD |
| 305058677 | XXXXXX | XXXXXX | Property Type | SFR | Attached PUD |
| 305058675 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.2390 | 31.2270 |
| 305085515 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058674 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058673 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Detached PUD |
| 305085514 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058671 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435747 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435747 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058670 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085510 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058669 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.9840 | 39.2897 |
| 305058668 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058667 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058665 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085509 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058661 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085508 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058660 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085507 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058659 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058658 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| 305058657 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.3170 | 39.6768 |
| 305058657 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089577 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085503 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085502 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058653 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085501 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085500 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058652 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305089575 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058651 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058650 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058648 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 35.1880 | 29.9629 |
| 305058647 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058646 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085498 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058645 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058645 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085496 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085496 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058639 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058639 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058638 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058637 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085494 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085494 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058636 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058635 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058635 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058634 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.4000 | 33.6923 |
| 305058634 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058633 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058630 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058629 | XXXXXX | XXXXXX | Property Type | Condotel | Site Condo |
| 305085488 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058627 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085486 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089567 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.1130 | 38.2749 |
| 305085485 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085485 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| 305089564 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058621 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 13.9090 | 22.0944 |
| 305058621 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058617 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.7510 | 38.6165 |
| 305058616 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058615 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058613 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089562 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058612 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085479 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058611 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058611 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085477 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085475 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085475 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085473 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058610 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058608 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.8400 | 45.4864 |
| 305058608 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085472 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.5390 | 43.1102 |
| 305085472 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058607 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.7840 | 35.2903 |
| 305058606 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058605 | XXXXXX | XXXXXX | Property Type | SFR | Attached PUD |
| 305085470 | XXXXXX | XXXXXX | Property Type | SFR | Attached PUD |
| 305058603 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058602 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058600 | XXXXXX | XXXXXX | Property Type | SFR | SFR-Attached |
| 305058599 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058599 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305085468 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085467 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085466 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058596 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.6620 | 39.1000 |
| 305058596 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085465 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.9040 | 41.4199 |
| 305058594 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305058594 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.0140 | 31.1316 |
| 305058594 | XXXXXX | XXXXXX | Total Monthly Income | 4604.87 | 6066.67 |
| 305058593 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085464 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085464 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085463 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.8560 | 28.2939 |
| 305085463 | XXXXXX | XXXXXX | Total Monthly Income | 16216.67 | 20800.00 |
| 305058586 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| 305058585 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 26.1870 | 32.8739 |
| 305085462 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085461 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058582 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058582 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085459 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085459 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058572 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058571 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058570 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058570 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085458 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.1840 | 33.5867 |
| 305085458 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058569 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058567 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058567 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305085456 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085454 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305085453 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.5320 | 45.5358 |
| 305058566 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058566 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085452 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085452 | XXXXXX | XXXXXX | Total Monthly Income | 6422.00 | 8855.66 |
| 305058565 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058564 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.0990 | 25.9692 |
| 305058564 | XXXXXX | XXXXXX | Total Monthly Income | 21554.63 | 31056.16 |
| 305085451 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 30.8980 | 36.0770 |
| 305085451 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085451 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058563 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058562 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058560 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085449 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.6940 | 38.8638 |
| 305085449 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085448 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058558 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.3220 | 39.0104 |
| 305089554 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058556 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058552 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.8880 | 41.3336 |
| 305058551 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058550 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085444 | XXXXXX | XXXXXX | Property Type | SFR | SFR-Attached |
| 305058549 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.2400 | 35.3537 |
| 305058549 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089553 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089552 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085443 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058547 | XXXXXX | XXXXXX | County Name | XXXXXX | XXXXXX |
| 305089550 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089548 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058545 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305085442 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.5340 | 38.8509 |
| 305058544 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085441 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085441 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085440 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085439 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085438 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.7280 | 23.1333 |
| 305085437 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058541 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058540 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085436 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058539 | XXXXXX | XXXXXX | Property Type | SFR | Attached PUD |
| 305058537 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058536 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058535 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | Rowhouse |
| 305058534 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058534 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058532 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.1010 | 45.3585 |
| 305058532 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058531 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.9620 | 27.2833 |
| 305085434 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089543 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058530 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058528 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058527 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085433 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058526 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058524 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058524 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085431 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058523 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089538 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058521 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.8610 | 34.3580 |
| 305058521 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058521 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304755716 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089537 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058519 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.7310 | 45.1168 |
| 305085427 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058518 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058518 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058516 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058515 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058514 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058513 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058509 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058508 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058507 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085421 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058505 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089536 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305089536 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089535 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089535 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058504 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085419 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058501 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089532 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058495 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058495 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058494 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.7360 | 25.1892 |
| 305058492 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058490 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085417 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089530 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058486 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 18.5200 | 34.4643 |
| 305058483 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085416 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085415 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085413 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305085413 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058482 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058482 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089529 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085411 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.1990 | 35.5140 |
| 305085410 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085409 | XXXXXX | XXXXXX | ATR/QM Status | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) |
| 305085406 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085405 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058471 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305058470 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058468 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.8640 | 35.0960 |
| 305058467 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058465 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058464 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.4300 | 42.7134 |
| 305058464 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058463 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089524 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085402 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089522 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058460 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085401 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058459 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058458 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085399 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058456 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 16.4670 | 34.5515 |
| 305058455 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.8840 | 37.3706 |
| 305058455 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058453 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085395 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089518 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305085392 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 26.7840 | 42.5121 |
| 305085392 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058450 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.5700 | 34.8415 |
| 305058449 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Detached PUD |
| 305058448 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 46.7320 | 41.6125 |
| 305058447 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085388 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085388 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058444 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058444 | XXXXXX | XXXXXX | Origination Channel | Direct to Consumer | Retail |
| 305058444 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058443 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058443 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Detached PUD |
| 305058442 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.7240 | 33.7553 |
| 305058442 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058441 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305085384 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058437 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.8820 | 32.0690 |
| 304435515 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.9110 | 33.3048 |
| 304435515 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305058435 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058434 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058433 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.0050 | 29.2862 |
| 305058432 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058430 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085382 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085381 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085380 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058425 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058422 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058416 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.7770 | 38.7902 |
| 305058416 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058414 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089512 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058411 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089511 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058407 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058406 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058405 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058404 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058403 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085376 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.0210 | 25.9827 |
| 305058401 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 305089509 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058395 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085374 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058394 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.6600 | 40.1402 |
| 305058394 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058393 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089507 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305058392 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058391 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058391 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058390 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058389 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058387 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.5860 | 34.8694 |
| 305085373 | XXXXXX | XXXXXX | Property Type | SFR | Attached PUD |
| 305058386 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058386 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305058384 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085370 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058381 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058379 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085369 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.9070 | 43.6202 |
| 305085369 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085367 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085365 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.5670 | 43.3423 |
| 305058377 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058375 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085364 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058374 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089504 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058373 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089502 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085363 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305089501 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.2300 | 34.4803 |
| 305085362 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085362 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058363 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.4060 | 24.1083 |
| 305089498 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058361 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058360 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 28.8140 | 35.9918 |
| 305058360 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305085360 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085358 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085358 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058357 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058357 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089496 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305089495 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085357 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085357 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305058348 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.6450 | 30.0646 |
| 305058348 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305085356 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305058344 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 305068832 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| 305068829 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305068815 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.2310 | 44.2277 |
| 305068805 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| 305068801 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.8410 | 28.0261 |
| 305068801 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068797 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068795 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305068795 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.7950 | 36.0497 |
| 305068795 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 305068795 | XXXXXX | XXXXXX | Note Rate | XXXXXX | XXXXXX |
| 305068795 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068795 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305068795 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305068795 | XXXXXX | XXXXXX | Property City | XXXXXX | XXXXXX |
| 305068795 | XXXXXX | XXXXXX | Property State | XXXXXX | XXXXXX |
| 305068795 | XXXXXX | XXXXXX | Property Zip | XXXXXX | XXXXXX |
| 305068795 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 694 | 714 |
| 305068790 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068783 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305068783 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 305068783 | XXXXXX | XXXXXX | Note Rate | XXXXXX | XXXXXX |
| 305068783 | XXXXXX | XXXXXX | Occupancy Type | Investor | Primary |
| 305068783 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068783 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305068783 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305068783 | XXXXXX | XXXXXX | Property City | XXXXXX | XXXXXX |
| 305068783 | XXXXXX | XXXXXX | Property State | XXXXXX | XXXXXX |
| 305068783 | XXXXXX | XXXXXX | Property Type | 2 Family | SFR |
| 305068783 | XXXXXX | XXXXXX | Property Zip | XXXXXX | XXXXXX |
| 305068783 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 745 | 702 |
| 305068772 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 682 | 686 |
| 305068771 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068765 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305068765 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068765 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305068765 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305068754 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305068754 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068733 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068720 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068713 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| 305068709 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068705 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068703 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.3830 | 48.2221 |
| 305068689 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068682 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068674 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068670 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068665 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.5000 | 38.8859 |
| 305068663 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.3270 | 31.0323 |
| 305068663 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068662 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305068662 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068661 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 48.8510 | 43.7487 |
| 305068655 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068651 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068645 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068635 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.4770 | 41.3086 |
| 305068635 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068622 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068612 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068605 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 46.7290 | 39.2798 |
| 305068597 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068576 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| 305068561 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.5810 | 43.2964 |
| 305068558 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305068533 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068525 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068516 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 305068513 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068510 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 48.4490 | 35.5195 |
| 305068496 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068493 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| 305068492 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 48.6570 | 42.5021 |
| 305068476 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| 305068465 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068458 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 24.2020 | 15.7157 |
| 305068453 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.8910 | 39.9886 |
| 305068449 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068447 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 305068446 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068443 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | Site Condo |
| 305068425 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068424 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305068424 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068424 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305068407 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068406 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 305068404 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068392 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068390 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305068390 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068390 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305068390 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305068380 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068376 | XXXXXX | XXXXXX | Note Rate | XXXXXX | XXXXXX |
| 305068374 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068372 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068363 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068355 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068334 | XXXXXX | XXXXXX | Property Type | Condotel | Mid Rise Condo (5-8) |
| 305068322 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068307 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.8950 | 38.3389 |
| 305068295 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068280 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 28.1070 | 20.5792 |
| 305068268 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 29.4920 | 33.2248 |
| 305068267 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.9820 | 44.3238 |
| 305068260 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| 305068258 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068254 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305068254 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305068251 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 305068237 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068225 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.0280 | 37.7202 |
| 305068214 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305068214 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305068214 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305068886 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068884 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068883 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068870 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.2300 | 48.7529 |
| 305068867 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.3580 | 25.7402 |
| 305068841 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.6590 | 43.9973 |
| 305068841 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305068838 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 305068836 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.5550 | 21.6801 |
| 305068835 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305061733 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304903209 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.8400 | 44.3126 |
| 305067126 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 19.9000 | 36.4903 |
| 305077095 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 31.7900 | 48.2629 |
| 305079700 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.9400 | 45.3459 |
| 305076191 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305076191 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305076191 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305076191 | XXXXXX | XXXXXX | Original P&I | 450.76 | 525.89 |
| 305049358 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305049358 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305065522 | XXXXXX | XXXXXX | Interest Only Term Flag | Yes | No |
| 305065522 | XXXXXX | XXXXXX | Original P&I | 631.82 | 695.62 |
| 305064801 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.1900 | 40.4144 |
| 305075909 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.1800 | 39.2568 |
| 305038753 | XXXXXX | XXXXXX | Note Rate | XXXXXX | XXXXXX |
| 305038753 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305038753 | XXXXXX | XXXXXX | Original P&I | 2262.03 | 761.32 |
| 305080111 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305072162 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 18.2300 | 24.1295 |
| 305059336 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305063530 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304896367 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305054356 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.3000 | 49.8008 |
| 305079699 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305057971 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305057971 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.6200 | 43.1829 |
| 305057971 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305057971 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305057971 | XXXXXX | XXXXXX | Original P&I | 509.85 | 459.70 |
| 305055587 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305088111 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305088111 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.6600 | 46.4905 |
| 305088111 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305057752 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 30.2600 | 43.3797 |
| 305070989 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.8800 | 35.8257 |
| 305050362 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.2000 | 41.3614 |
| 305057747 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.9800 | 46.4546 |
| 305053513 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305069790 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.8100 | 40.7509 |
| 305026487 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.3900 | 43.0574 |
| 305065262 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.9200 | 47.5397 |
| 305064028 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305089710 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 14.1600 | 38.3826 |
| 305042029 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.8100 | 40.0890 |
| 304953596 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.8500 | 48.0997 |
| 305074552 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 10.8800 | 23.8021 |
| 305052667 | XXXXXX | XXXXXX | Interest Only Term Flag | Yes | No |
| 305052667 | XXXXXX | XXXXXX | Original P&I | 809.08 | 872.91 |
| 305044940 | XXXXXX | XXXXXX | Interest Only Term Flag | Yes | No |
| 305044940 | XXXXXX | XXXXXX | Original P&I | 2619.64 | 2802.97 |
| 305070069 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 305067965 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.0600 | 35.1303 |
| 305067965 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305061649 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305069629 | XXXXXX | XXXXXX | Interest Only Term Flag | Yes | No |
| 305069629 | XXXXXX | XXXXXX | Original P&I | 465.94 | 501.26 |
| 305060698 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305078183 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305078183 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.0800 | 48.4129 |
| 305079869 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.9600 | 44.7636 |
| 305073493 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.9000 | 46.8514 |
| 305061180 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 28.8500 | 34.2046 |
| 305079703 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.0400 | 43.0128 |
| 305054848 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305045947 | XXXXXX | XXXXXX | Note Rate | XXXXXX | XXXXXX |
| 305045947 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305045947 | XXXXXX | XXXXXX | Original P&I | 1044.50 | 1494.73 |
| 305069766 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.8600 | 35.1680 |
| 305082189 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.5400 | 36.1072 |
| 305082189 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305082189 | XXXXXX | XXXXXX | Original P&I | 556.95 | 562.92 |
| 305051856 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.0900 | 33.1741 |
| 305056933 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 28.9500 | 34.0576 |
| 305064238 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 5.4900 | 40.8397 |
| 305064238 | XXXXXX | XXXXXX | Interest Only Term Flag | Yes | No |
| 305064238 | XXXXXX | XXXXXX | Original P&I | 1480.07 | 1592.26 |
| 305042055 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305042055 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305054902 | XXXXXX | XXXXXX | Interest Only Term Flag | Yes | No |
| 305054902 | XXXXXX | XXXXXX | Original P&I | 795.00 | 852.90 |
| 305029670 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.5000 | 48.9079 |
| 305071595 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.0800 | 49.3044 |
| 305054971 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.4200 | 33.7112 |
| 305078706 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.6200 | 39.9690 |
| 305071195 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305053317 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.0800 | 35.9212 |
| 305053317 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305077748 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305077748 | XXXXXX | XXXXXX | Original P&I | 955.52 | 940.78 |
| 305064119 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305074551 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.2000 | 45.0377 |
| 305074551 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305082792 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.4900 | 38.8391 |
| 305062743 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305074550 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305053515 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.0500 | 49.8813 |
| 305042028 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305042028 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 31.1100 | 27.3986 |
| 305082230 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.9700 | 45.6433 |
| 305070968 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 5.0000 | 45.0170 |
| 305066672 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305053309 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.7200 | 39.1968 |
| 305056731 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.9800 | 45.6290 |
| 305077452 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305051087 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.3000 | 45.1812 |
| 305076776 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.9300 | 43.4750 |
| 305053604 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 8.0000 | 44.1359 |
| 305061050 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305057894 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305057894 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305057894 | XXXXXX | XXXXXX | Original P&I | 700.60 | 685.28 |
| 304905179 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304905179 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305070087 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 17.7100 | 31.2372 |
| 305030739 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305030739 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 35.5400 | 39.6259 |
| 305060709 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 29.2800 | 43.7115 |
| 305065521 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.4600 | 37.2737 |
| 305065521 | XXXXXX | XXXXXX | Interest Only Term Flag | Yes | No |
| 305065521 | XXXXXX | XXXXXX | Original P&I | 721.88 | 797.58 |
| 305086826 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305086826 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 28.1900 | 41.9694 |
| 305086826 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305081465 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.5500 | 49.8176 |
| 305081465 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305084617 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 35.9200 | 31.8763 |
| 304904596 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.3700 | 48.2269 |
| 304870488 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.2500 | 44.8197 |
| 304909721 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.0200 | 43.8343 |
| 304896424 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.0500 | 49.5994 |
| 304896424 | XXXXXX | XXXXXX | Original P&I | 1031.52 | 932.44 |
| 305023768 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.5800 | 33.7238 |
| 305024463 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305024952 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 23.4100 | 42.2399 |
| 305027283 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.1000 | 30.1848 |
| 305027183 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 29.7100 | 37.5361 |
| 305028481 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 16.8800 | 22.6128 |
| 305036848 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 24.2400 | 37.0706 |
| 305028964 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 48.8200 | 37.7736 |
| 305029588 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.4600 | 44.0745 |
| 305028961 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.6600 | 37.8468 |
| 305031201 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.1700 | 40.1705 |
| 305031553 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305031553 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 28.8300 | 36.8776 |
| 305031270 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305031270 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305031552 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.4100 | 36.3217 |
| 305036641 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.1400 | 34.8125 |
| 305039381 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.8200 | 41.3959 |
| 305042267 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305033640 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 31.0600 | 35.7820 |
| 305036757 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 21.4000 | 37.7898 |
| 305036895 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 29.8300 | 44.0633 |
| 305038052 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305042266 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.5000 | 38.1288 |
| 305040493 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.7600 | 49.7013 |
| 305040449 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305039634 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305039632 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 22.0300 | 26.7838 |
| 305042265 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.1800 | 48.4933 |
| 305046004 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.9100 | 45.4848 |
| 305042253 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 50.0000 | 43.3960 |
| 305044624 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.6100 | 45.7723 |
| 305044822 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.2200 | 42.7518 |
| 305044821 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.9400 | 46.1370 |
| 305044885 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.4700 | 40.9199 |
| 305047114 | XXXXXX | XXXXXX | Property Type | Detached PUD | Low Rise Condo (1-4) |
| 305049363 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.4500 | 35.2297 |
| 305047496 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305047775 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.1900 | 38.2961 |
| 305047845 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 304973619 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 305050127 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 48.9100 | 45.1105 |
| 305057481 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305050124 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305053330 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305053330 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305054367 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.9100 | 32.1673 |
| 305054367 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 750 | 725 |
| 305054864 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305054864 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305056942 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305056942 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305056942 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305054863 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.0100 | 36.3709 |
| 305056895 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 30.1500 | 35.8803 |
| 305057448 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.3000 | 40.7446 |
| 305061763 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.3000 | 29.6932 |
| 305060970 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.2100 | 47.1014 |
| 305060422 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 29.7100 | 38.4262 |
| 305059733 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 48.1500 | 42.8110 |
| 305061054 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305067493 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305064625 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.5200 | 48.0552 |
| 305064961 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305063334 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.5300 | 42.2870 |
| 305063540 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.6800 | 30.4209 |
| 305062598 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.0900 | 45.2953 |
| 305066795 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.7500 | 42.2330 |
| 305066290 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 305069770 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305070074 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.3100 | 36.1254 |
| 305071760 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 17.5400 | 22.3343 |
| 305077092 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.3500 | 49.7925 |
| 305031626 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305031626 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.9000 | 40.0484 |
| 305013278 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305013278 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 24.7400 | 34.9834 |
| 305013278 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305013278 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305013278 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305013278 | XXXXXX | XXXXXX | Original P&I | 2932.27 | 3210.84 |
| 305013278 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 809 | 798 |
| 304909640 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304909640 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 304909640 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 304909640 | XXXXXX | XXXXXX | Original P&I | 1672.25 | 1936.70 |
| 304983636 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304983636 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 29.0000 | 47.0209 |
| 304983636 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 304983636 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 304983636 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 701 | 718 |
| 305042056 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.9000 | 48.8582 |
| 305031461 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.0000 | 49.6439 |
| 305031634 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.6100 | 48.2016 |
| 305030914 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 16.0600 | 30.1388 |
| 305030914 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305031052 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305031052 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.3800 | 47.7354 |
| 305031052 | XXXXXX | XXXXXX | Note Rate | XXXXXX | XXXXXX |
| 305031052 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305031052 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305031052 | XXXXXX | XXXXXX | Original P&I | 652.65 | 393.35 |
| 305044817 | XXXXXX | XXXXXX | Note Rate | XXXXXX | XXXXXX |
| 305044817 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305044817 | XXXXXX | XXXXXX | Original P&I | 2204.70 | 655.52 |
| 305044817 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305032518 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305032518 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305023979 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.5200 | 33.9213 |
| 305025041 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 26.0300 | 36.4715 |
| 305064095 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305064095 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.8200 | 33.5066 |
| 305064095 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305064095 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305064095 | XXXXXX | XXXXXX | Original P&I | 2651.77 | 2730.49 |
| 305035457 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.2800 | 31.6442 |
| 305033754 | XXXXXX | XXXXXX | Note Rate | XXXXXX | XXXXXX |
| 305033754 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305033754 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305033754 | XXXXXX | XXXXXX | Original P&I | 1937.92 | 623.11 |
| 305062367 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305062367 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305062367 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305062367 | XXXXXX | XXXXXX | Original P&I | 1603.11 | 1725.91 |
| 305037150 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.5100 | 43.4242 |
| 305046139 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.5200 | 42.8627 |
| 305040482 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305040482 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305040482 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305040482 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305040482 | XXXXXX | XXXXXX | Original P&I | 1914.97 | 1821.55 |
| 305057670 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.8300 | 38.4064 |
| 305046170 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305047130 | XXXXXX | XXXXXX | Note Rate | XXXXXX | XXXXXX |
| 305047130 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305047130 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305047130 | XXXXXX | XXXXXX | Original P&I | 1214.30 | 1847.13 |
| 305050804 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305059764 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305059764 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305059764 | XXXXXX | XXXXXX | Original P&I | 870.08 | 906.34 |
| 305061510 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 305061510 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305061510 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305061510 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305061510 | XXXXXX | XXXXXX | Original P&I | 533.49 | 573.08 |
| 305060703 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305066742 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305066742 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 21.0000 | 32.0804 |
| 305066742 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305066742 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305066742 | XXXXXX | XXXXXX | Original P&I | 2609.47 | 2736.97 |
| 305066742 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 759 | 757 |
| 305064774 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305064774 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.0000 | 30.3575 |
| 305064774 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305064774 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 750 | 753 |
| 305066806 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.3000 | 38.4729 |
| 305066806 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 790 | 791 |
| 305068182 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.1000 | 45.2453 |
| 305071197 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305071197 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.8200 | 28.2459 |
| 305071197 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305071197 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 305029329 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.2000 | 21.3398 |
| 304905149 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304905149 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 304905149 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305055946 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305012550 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.9800 | 49.5951 |
| 305038020 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.4600 | 42.4760 |
| 305026227 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 46.3300 | 38.3022 |
| 305013623 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 20.8000 | 47.6660 |
| 305013562 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.2900 | 37.4130 |
| 304899137 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.5900 | 38.7416 |
| 305024816 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304904497 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.2200 | 36.4000 |
| 305085944 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305085944 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 305050098 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 35.9800 | 29.4041 |
| 305049356 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305045280 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 305045280 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 778 | 773 |
| 305025022 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.2700 | 44.8231 |
| 304911725 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305047907 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304909799 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 21.2000 | 24.7680 |
| 304909799 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 304909521 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304817587 | XXXXXX | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 304817587 | XXXXXX | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 304817587 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 715 | 709 |
| 304889379 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304889379 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 304993695 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 305024821 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305024821 | XXXXXX | XXXXXX | Original P&I | 925.22 | 977.43 |
| 305036789 | XXXXXX | XXXXXX | Note Rate | XXXXXX | XXXXXX |
| 305036789 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305036789 | XXXXXX | XXXXXX | Original P&I | 6147.63 | 2157.92 |
| 305054636 | XXXXXX | XXXXXX | Note Rate | XXXXXX | XXXXXX |
| 305054636 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 305054636 | XXXXXX | XXXXXX | Original P&I | 1618.84 | 201.40 |
| 305062287 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.7300 | 43.3954 |

---

## Exhibit 99.13

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Seller Name** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 305046200 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for LE 12/19/25. | 1.10.26-Client provided LE issued 12/19/25, e-signed 12/19/25. Satisfied. | 1.10.26-Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.56% is below the maximum of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $71722.70, PITI $4552.02, 15.76 months reserves, 0 required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 683 exceeds the minimum of 680 |
| 305046199 | XXXXXX | XXXXXX | XXXXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 15.6 years employed with XXXXXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 56.42 months of reserves in file. 0 required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10.9 years owning primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 mid-score per CBR. 700 minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 351 months of 0x30 consumer credit history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% CLTV per review; 85% CLTV is maximum allowed per guidelines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 25 years as a Realtor/Real Estate professional. |
| 305046193 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject property for 3 years and 1 month.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 14 years and 8 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 credit score exceeds guideline minimum of 700. |
| 305046184 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A D B | Compliance | Right of Rescission | Satisfied B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | The loan file does not contain a copy of the Notice of Right to Cancel signed and dated by the borrower(s). Need to provide document to validate borrower(s) were given the right to rescind within 3 business days of closing. | 2.3.26-Client provided ROR, Satisfied. | 2.3.26- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.538% CLTV is below the 80% max.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.24% DTI is below the 50% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 FICO score is above the 720 min. |
| 305046184 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A D B | Compliance | Right of Rescission | Satisfied D A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | The loan file does not contain a copy of the Notice of Right to Cancel signed and dated by the borrower(s). Need to provide document to validate borrower(s) were given the right to rescind within 3 business days of closing. | 2.3.26-Client provided ROR, Satisfied. | 2.3.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.538% CLTV is below the 80% max.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.24% DTI is below the 50% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 FICO score is above the 720 min. |
| 305046184 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Provide clerical PCCD correcting not having an escrow account on page 4 of the CD issued 1/21/26. Both boxes are left blank and one is required to be checked. (Declined or is not offered). | 2.3.26-Client provided a CD issued 1/21/26 with a X in the Escrow account section for "your lender does not offer one" Provide PCCD with this information, the executed final CD in file issued 1/21/26 does not contain that X in that section.2.5.26-Client provided PCCD issued 2/4/26 with a X in the Escrow account section for "your lender does not offer one". Satisfied. | 2.5.26-Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.538% CLTV is below the 80% max.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.24% DTI is below the 50% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 FICO score is above the 720 min. |
| 305046182 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 713 is above guideline program minimum of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.13% CLTV for Subject Property is below guideline max CLTV of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.80% is below the minimum program requirements of 50% |
| 305046181 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.91% is below the maximum of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 74.55% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 724 exceeds the minimum of 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 yrs residing in current residence as owner |
| 305085753 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 18 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.54% max per guidelines is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 9 years. |
| 305085752 | XXXXXX | XXXXXX | XXXXXX | WY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 17+ years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.54 is less than the max of 90. |
| 305085750 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 FICO exceeds guideline of 660. |
| 305085749 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.02% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.80% max per guidelines is 85%. |
| 305085748 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 FICO exceeds guideline of 760.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.24 DTI below guideline of 45. |
| 305085747 | XXXXXX | XXXXXX | XXXXXX | WY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations | 03/27/2026 Client provided missing List of homeowners counseling organizations dated 12/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70.00% max per guidelines is 85%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 10 years. |
| 305085747 | XXXXXX | XXXXXX | XXXXXX | WY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 dated 01/22/2026- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 03/27/2026 Client provided PCCD 3/26 with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70.00% max per guidelines is 85%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 10 years. |
| 305085747 | XXXXXX | XXXXXX | XXXXXX | WY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD dated 01/22/2026 reflects $0 for Estimated Taxes, Insurance & Assessments in the Projected Payments section. For junior liens, disclosure of the first lien Taxes, Insurance & Assessments is required. | 03/27/2026 Client provided PCCD 3/26 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70.00% max per guidelines is 85%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 10 years. |
| 305085747 | XXXXXX | XXXXXX | XXXXXX | WY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD dated 01/22/2026- Loan Disclosures- Escrow Account- CD dated 01/22/2026- Loan Disclosures- Escrow Account- | 03/27/2026 Client provided PCCD 3/26 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70.00% max per guidelines is 85%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 10 years. |
| 305085746 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 13 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 11 years. |
| 305085745 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.20 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 FICO exceeds guideline of 660. |
| 305085744 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 16+ years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.24 is less than the max of 50. |
| 305085739 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.62 is less than the max of 45.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 30 years in profession. |
| 305085736 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.15 is less than the max of 45.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Employed since 1/1/2013. |
| 305085733 | XXXXXX | XXXXXX | XXXXXX | AK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55.15 is less than the max of 85.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.08 is less than the max of 45. |
| 305085697 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 770 is 110 points above program guideline minimum of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 6 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 44.69% LTV below guideline requirements of 90.00% per program. |
| 305059031 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 21 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 37.10 max per guidelines is 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 28 years. |
| 305059030 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | missing title | 1.30.2026 Client provided Property Summary Title Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 59.00%; guidelines allow 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.11%; guidelines allow 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 765 is above the minimum of 760 |
| 305059029 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | The Expiration Date of 01/08/2026 does not provide borrower with the required 3 day rescission period from Consummation Date 01/05/2026. Provide all title holders with a new ROR, LOE and reopen rescission with dates allowing for method of delivery | 01/21/2026 Client provided a collaborate comment: The loan closed on 01-05-26, rescission period ended after three days on 01-08-26; loan disbursed the next day on 01-09-26. Please provide clarification on this one. The CD dated 1/5 wasn't signed until 1/9 making the expiration and disbursement dates later. Provide the Final CD signed at closing 1/5, or Disbursement CD with Final Alta Settlement Statement for final testing.02/02/2026 Client provided re-opened rescission documents delivered on 1/23 with expiration midnight of 01/29 LOE and delivered Shipping Label. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) |
| 305059029 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Final CD 01/05/2026 - disbursement date on 01/09/2026, ROR form in file signed on 01/05/2026 with end of recession on 01/08/2025 , condition pending receiving Post CD with updated disbursement date, LOX and proof of delivery to borrower | 01/21/2026 Client provided a collaborate comment: The loan closed on 01-05-26, rescission period ended after three days on 01-08-26; loan disbursed the next day on 01-09-26. Please provide clarification on this one. The CD dated 1/5 wasn't signed until 1/9 making the expiration and disbursement dates later. Provide the Final CD executed at closing 1/5, or Disbursement CD with Final Alta Settlement Statement for final testing02/02/2026 Client provided re-opened rescission documants delivered on 1/23 with expiration midnight of 01/2902/02/2026 Client provided re-opened rescission documents delivered on 1/23 with expiration midnight of 01/29 LOE and delivered Shipping Label. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) |
| 305085696 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 59 month total mortgage payment history exceeds the 12 month minimum guideline requirement by 47 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 credit score exceeds the 680 minimum guideline requirement by 38 points. |
| 305085695 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 36.21% below guideline requirements 85.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 33 years. |
| 305089687 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.98 is less than the max of 80.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0X30 since origination in 8/2019. |
| 305085694 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation Non Borrower (Georgia Avraam) received an accurate CD 3 business days prior to closing. OneSpan Electronic Evidence provided dated 02/10/2026 was incomplete; missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/13/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 02/10. Mail rule applies making the earliest closing date 02/18. Actual closing date 02/28. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 8 years and 2 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.23% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 743 is 83 points above program guideline minimum of 660. |
| 305089686 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 6 years and 7 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years and 2 months |
| 305085693 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof initial LE:3/10/2026 was received by borrower 3 days before consummation date of 3/16/2026. | 03/25/2026 Client provided a copy of CD 3/11 with disclosures. Condition remains for evidence of receipt of the last LE 3/10 a minimum for 4 days prior to consummation. 03/26/26 Client provided a screenshot and confirmation only one LE 3/2/26 and initial CD 3/11/26 were emailed to borrower. Revised LE 3/10/26 in file was never delivered to the bororwer (Compease in file also confirms it) Condition satisfied | 03/26/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Current job since 10/01/2016.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 54.75 is less than the max of 75. |
| 305085692 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 689 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.90 DTI below guideline of 45. |
| 305085691 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided. | 03/18/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 01/29. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 74.71% is less than the max of 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25.73% is less than the max of 45%. |
| 305085690 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing Mortgage | No | Mortgage missing from file | 03/18/2026 Client provided the fully executed, missing Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 65%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 24% |
| 305085689 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Missing payoff statement showing that the XXXXXX collection was paid in full at closing. Credit report shows a balance of $13,638 however the closing disclosure only shows a payoff amount of $10,000.00. | 3/18/2026 client provided payoff letter reflecting $10,000 | Condition satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.00 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 FICO exceeds guideline of 660. |
| 305085689 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing explanation for the Payactiv deduction on the borrowers paystub. | 3.12.2026 Client provided LOX stating, Per UW it is repayment of paycheck advance. definition uploaded to conditions/misc income, not a debt. Response, did not receive the definition upload for review of not being a debt or will need employer to verify this deduction as being not a debt. 3.16.2026 Client provided Copilot Search regarding payactiv deductions, are the amounts of earned wages you access early, which are automatically subtracted from your next paycheck, not a loan. | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.00 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 FICO exceeds guideline of 660. |
| 305089685 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 30 years and 3 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 37.97% LTV below guideline requirements of 75.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 12 years and 1 month |
| 305059028 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 54.70% is 20.30 points below the program guideline maximum 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on current job 23 years |
| 305085688 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 30% |
| 305059027 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation both borrower and non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/28/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 12/19. Mail rule applies making the earliest closing date 12/24. Actual closing date 1/14. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 6 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.01% below guideline requirement 45.00% |
| 305089684 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 20 years at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 20 years in current profession |
| 305059026 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 15yrs time in profession |
| 305059025 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/13/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 12/17. Mail rule applies making the earliest closing date 12/24. Actual Transaction date 12/30. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 5 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.08% DTI is below guideline requirement of 45.00%. |
| 305089683 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 42.13% LTV below guideline requirements of 90.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 7 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 34 years ad 6 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.95% DTI is below guideline requirement of 45.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 816 is 156 points above program guideline minimum of 660. |
| 305059024 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65 is less than the max of 90.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.13 is less than the max of 45. |
| 305059023 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since origination in 10/2019.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.94 is less than the max of 45. |
| 305059022 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 18 years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |
| 305085687 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing | 03/16/2026 Client provided Disclosure History reflecting Initial CD was also sent to both via USPS 02/20. Mail rule applies, making the earliest closing date 02/27. Actual closing date 3/04. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence >9 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >15 years at current job |
| 305085687 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence >9 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >15 years at current job |
| 305085687 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence >9 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >15 years at current job |
| 305085686 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 17 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence >18 years. |
| 305059021 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 FICO exceeds guideline of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years at current residence. |
| 305059020 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.97 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 FICO exceeds guideline of 660. |
| 305089682 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by $682 a month.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Employed since 10/6/2015. |
| 305059019 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B A C | C | B A | Property Valuations | Property | Waived C B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No | Acres are at 10.06 that is outside of the guidelines of the maximum of 10 acres. | 1.12.2026 Client provided SLE exception approval to allow for acres of 10.06 exceeding guidelines maximum of 10.00 | Upon further review by Senior Underwriter exception is deemed non-material. Exception approved, B Grade with compensating factors: Fico score 703 with CLTV of 63.92% and DTI of 38.40% | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 38.40% is 6.60 points below the program guideline maximum 45%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 10 years. |
| 305085685 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x25 exceeds mortgage history guidelines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 12 years. |
| 305059018 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 25%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 65% |
| 305085684 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation Non Borrower (Niccole Pertierra Iglesias) received an accurate CD 3 business days prior to closing. OneSpan Electronic Evidence provided dated 03/02/2026 was incomplete; missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/27/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 03/02. Mail rule applies, making the earliest closing date 03/08. Actual closing date 03/16. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 18 years, 7 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 qualifying score; 680 required. |
| 305089681 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 60.40% below guideline requirements 85.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 5 years. |
| 305059017 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 47%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 11 years at current residence |
| 305089680 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 674 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.28 DTI below guideline of 45. |
| 305059016 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 14.33 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 22 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 25.08 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.37% below guideline requirement of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 57.93% below guideline requirements of 85% |
| 305085683 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 67 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 38.35% below guideline requirement of 45%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 12.5 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6.5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 54.53% below guideline requirements of 75% |
| 305089679 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 771 is 111 points above program guideline minimum of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 18.95% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.27% LTV below guideline requirements of 90.00% per program. |
| 305059015 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 12 years and 9 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 19 years and 9 months |
| 305089678 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 43%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current residence. |
| 305059014 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 49.50%; guidelines allow 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 660 is equal to the minimum of 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.99%; guidelines allow 45% |
| 305085682 | XXXXXX | XXXXXX | XXXXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 18 years at current job |
| 305059013 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years and 1 month<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 7 years and 7 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.97% LTV below guideline requirements of 90.00% per program. |
| 305059012 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8yrs time at current residence |
| 305085681 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 credit score exceeds the 660 minimum guideline requirement by 94 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72% CLTV is 13% below the maximum guideline requirement of 85%. |
| 305085680 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH104 | Credit score below guidelines | No | Credit score of 693 is below program min required of 700. Borrower DTI is over 49.96% and per guideline the minimum fico required for DTI between 45.01 -50% is 700. | 3.13.2026 Client provided LOX stating, The DTI is not over 45%. Please provide clarification. Response, DD Firm DTI is 49.96% with including 2nd property listed on REO of 1003 which is showing as a 2nd home: 1501 Water Terrace Lane with mortgage payment of $1,165 however is not included in Client DTI of 44.52%. Initial condition remains 3/18/2026 client provided bank statements to reflect son is making the monthly payments who is joint on the mortgage. | Condition satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 26% revolving credit utilization.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 28 years and 4 months at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 9 years and 8 months at current residence. |
| 305059011 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 57%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 20% |
| 305059010 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 10 years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |
| 305059009 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A B D | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing Home Mortgage Information Document | 01/21/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 12/19. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.89% LTV below guideline requirements of 80.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 29 years and 1 month |
| 305059009 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A B D | A | A B | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Note in file is missing signature page. Please provide a Note document with duly executed page | 1.20.2026 Client provided executed subject Note | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.89% LTV below guideline requirements of 80.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 29 years and 1 month |
| 305059008 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 66.22% max per guidelines is 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in current residence for 8 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.88% max per guidelines is 45%. |
| 305059007 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 27 years and 10 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 49.40% LTV below guideline requirements of 75.00% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 11 years and 1 month |
| 305059005 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.63 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 58.46 is less than the max of 90. |
| 305059004 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 741 is 41 points above program guideline minimum of 700.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.01% LTV below guideline requirements of 80.00% per program. |
| 305059003 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 676 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.58 DTI below guideline of 45. |
| 305089677 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Both mortgages on Credit report have a 0 X 30 payment history for 50+ months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 14 years. |
| 305059002 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.43 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 FICO exceeds guideline of 660. |
| 305059001 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.63 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 691 FICO exceeds guideline of 660. |
| 305089676 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Employed since 7/1/2004.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.02% is less than the max of 45%. |
| 305085679 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | 3.16.2026 Client provided copy of Property Summary Title Report however vesting differ: Title vesting Borrower name as married man Deed of Trust reflect Borrower and Spouse name Husband and Wife | 3/18 Client provided copy of title report with corrected vesting | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence >10 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.87% below guideline requirement 45.00%. |
| 305085679 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing Title | 3.16.2026 Client provided copy of Property Summary Title Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence >10 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.87% below guideline requirement 45.00%. |
| 305059000 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score of 753 is above the minimum of 740<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 49.13%; guidelines allow 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.975; guidelines allow 45% |
| 305058999 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | missing T.42 Title Endorsement | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.69%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 79.86%; guidelines allow 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 737 is above the minimum of 720 |
| 305058999 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.69%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 79.86%; guidelines allow 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 737 is above the minimum of 720 |
| 305085678 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 7 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.71% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.51% max per guidelines is 80%. |
| 305085677 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10yrs time in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7yrs time at current residence |
| 305058998 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Length of mortgage/rental history in file does not meet guideline requirement of 12 months. Only 10 payments have been made on loan. Need proof of rental history covering the remaining 2 payments. | 1.26.2026 Client provided a rent free letter, for prior housing history however per Borrower 1003, prior housing was renting for $1,000 a month. Condition remains for clarification or updated 1003 reflect same as rent free letter, if applicable. 1.28.2026 Client provided updated 1003 reflecting no primary housing, for prior housing which was prior to purchasing subject | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 792 > is above guideline minimum credit score 760.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 7 years. |
| 305058997 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 58%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 12 years on current job |
| 305058996 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 59.89% max per guidelines is 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 7 years. |
| 305085676 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.51% DTI is below guideline requirement of 45.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 13 years and 4 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 768 is 108 points above program guideline minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.61% LTV below guideline requirements of 90.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years and 11 months |
| 305085675 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.13% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.16% LTV below guideline requirements of 85.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 15 years and 5 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years and 10 months |
| 305058995 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.79 is less than the max of 50.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.59 is less than the max of 90 |
| 305089675 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x46<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10yrs time at current residence |
| 305058994 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 39.81%; guidelines allow 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 806 is above the minimum of 760<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.03%; guidelines allow 45% |
| 305058993 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Provide RCE or adequate coverage. | 2.4.2026 Client provided HOI RCE for subject property | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.75 is less than the max of 90.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.46 is less than the max of 50. |
| 305089674 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 32%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total DTI is 48% |
| 305058992 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton has placed loan in a riskier status Rebuttable Presumption vs Lender Safe Harbor. The test APR is 9.504%, the benchmark APR is 5.940% resulting in a difference of 3.564%, max difference allowed is 3.50% | 2.3.2026 Client provided LOX stating, We have updated our system of record and agree that the loan has a status of Rebuttal Presumption. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 30 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 62.56 is less than the max of 75. |
| 305085674 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document is missing in the file. | 03/17/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 12/19. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) |
| 305058991 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 9 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 12 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 last 73 months payment paid on time. |
| 305058990 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2302 | Missing Required Income Documentation | No | Missing documentation to verified last two year history. File is missing 2 years W2's or written verification of employment | 1.28.2026 Client provided Written VOE dated 1.3.2026 covering YTD 2026 and prior two years earnings, file have YTD paystubs and pension award letter. | Condition satisfied | (No Data) | Not Applicable | (No Data) |
| 305085673 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 7 years and 3 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 305085673 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 7 years and 3 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 305085672 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Employed since 8/11/2016.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 12+ years. |
| 305058989 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.51% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 809 is 149 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.24% DTI is below guideline requirement of 45.00%. |
| 305089673 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.40% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 51.41% max per guidelines is 80%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 12 years. |
| 305058988 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.29% below guideline requirement 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 38 years. |
| 305058987 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 9 years and 11 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.56% LTV below guideline requirements of 80.00% per program.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 305058986 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero Tolerance Fee of $297.75 (Broker Fee) fee increased from LE $3,100 to CD $3,417.75. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 01/15/2026 Client provided COC 12/29 reflecting value came in higher, Loan amount increased resulting in increase of Broker fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9yrs time time at current job |
| 305058985 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 54.22% max per guidelines is 85%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 9 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.53% max per guidelines is 45%. |
| 305058984 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 717 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.92 DTI below guideline of 45. |
| 305085671 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 28% revolving credit utilization.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.32% DTI is below program max of 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 22 years at current residence. |
| 305058983 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 11 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.36% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 78.50% max per guidelines is 90%. |
| 305089672 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage Payment history 0 X 30 over 36 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 8 years |
| 305085670 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence > 22 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 26 years at current job |
| 305058982 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 808 is above the minimum of 760<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 41.94%; guidelines allow 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.86%; guidelines allow 45% |
| 305058981 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since origination in 12/2020.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.66 is less than the max of 80. |
| 305058980 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.88 DTI below guideline of 45. |
| 305085669 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing LE: 02/17/2026. | 03/24/2026 Client provided missing Initial LE 2/17. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years and 1 month at current residence.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 23% revolving credit utilization.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years and 11 months at current job. |
| 305089671 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 62%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |
| 305058979 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 yrs time at current residence |
| 305058978 | XXXXXX | XXXXXX | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.02% max per guidelines is 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 9 years. |
| 305058977 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 14 yrs time in profession. |
| 305058976 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 30 years time in profession |
| 305058975 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9yrs time at current residence |
| 305085668 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 25yrs payment history 0x30<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 6yrs time in profession |
| 305058974 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | A | A C B | A | A C B | Compliance | State High Cost | Satisfied C B | CMPSTHC343 | GA High-Cost Loan by exceeding point and fee threshold | No | Adjusted charge $2,424.60, Max Charge 2419.97, Total loan amount $48399.42, Max charge %5, Total Charge % 5.010 , Charge Margin to Threshold $4.63 exceeds fee threshold | 12/29/2025 Client provided rebuttal: Finding invalid. Total loan amount is $48,524.42, which gives a fee limit of $2426.22. Total fees paid for testing is $2424.60, which is $1.62 less than the limit. Condition remains. Provide calculations for Total loan amount of $48,524.42 for review, additional conditions may apply. 12/30/2025 Client provided a screen shot of the Compliance ease reflecting their total Amount Finance of $48,524.42 and is different than the Compliance Ease in file. Clayton Calculation of 1.96 Points $999.60 + Origination $650.00 + Title Closing Coordination $650.00 + \*\*\*Title Document Prep $125.00\*\*\* = $2,424.60 adjusted charges. Condition remains. $51,000.00 - $2424.60 = $48,399.42 x 5% = $2419.97, a difference of $4.63. \*\*Lenders calculations are not including the Title Doc Prep fee in section B to Affiliate. 01/02/2026 Client provided an updated Compliance Ease dated 12/12/2025 reflecting High Cost testing of $1,974.60 and now includes the Title Document Preparation fee however, is missing the $450.00 portion of the Title Closing Coordination fee. Condition remains as is. Provide PCCD with $4.63 cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 01/07/2026 Client requested calculation: Clayton Calculation of 1.96 Points: $999.60 + Origination $650.00 + Title Closing Coordination (1) $200.00 + Title Closing Coordination (2) $450.00 + Title Document Prep $125.00 = $2,424.60 adjusted charges. $51,000.00 - $2424.60 = $48,399.42 (total loan amount) x 5% = $2419.97, a difference of $4.63. Condition remains. Within 90 Days of consummation, notify the borrower and make appropriate restitution.01/08/2026 Client provided a collaborate comment: Math is not correct: $51,000 2,424.60 = 48,575.40 Total loan amount $48,575.40 \* 5% = 2,428.77 2424.60 < 2428.77 Loan passes, as the fees do not exceed the 5% limit. Also, the Title Doc Prep fee is not an APR fee and should not be deducted from the total loan amount in the calculation. Review by Sr Compliance: Condition remains. The Title Doc Preparation fee is payable to an Affiliate and therefore is included in the testing. The Total loan amount is $51000.00 - $2600.58 (which includes the PPI)= $48,399.42. Adjusted charges $2,424.60. Maximum Charges $2,419.97. A difference of $4.63. Copy of the testing provided via email. Within 90 Days of consummation, notify the borrower and make appropriate restitution.01/13/2026 Client provided PCCD 1/12 reflecting Principal Reduction, LOE and loan transaction history reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305058974 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance $125 due to increase in title doc prep on CD 12/9/25 without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping | 12/29/2025 Client provided COC 12/09 reflecting Title Document Preparation fee added as Borrower provided documents to update vesting. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305058973 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 39%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 30% |
| 305085666 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Acknowledgment missing. Provide missing document. | 03/19/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 02/03. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.24% LTV below guideline requirements of 90.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 25 years and 10 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 6 years and 5 months |
| 305058972 | XXXXXX | XXXXXX | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5yrs time at current job |
| 305058971 | XXXXXX | XXXXXX | XXXXXX | MN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 27yrs time in profession |
| 305058970 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing LE:12/12/2025. | 02/09/2026 Client provided Missing LE 12/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 41.97% max per guidelines is 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 19 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 796 max per guidelines is 760.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.12% max per guidelines is 45%. |
| 305058969 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.32 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.58 is less than the max of 75. |
| 305085665 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 63.34 is less than the max of 80<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.84 is less than the max of 45. |
| 305058968 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 25 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 25% CLTV is 50% below the maximum guideline requirements of 75%. |
| 305058967 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 12 years and 10 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.71% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.43% LTV below guideline requirements of 75.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 3 months |
| 305089670 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.29 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 34.30 is less than the max of 85. |
| 305058966 | XXXXXX | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.49% DTI below guideline of 45%. |
| 305058965 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | B1 is missing 2 years W-2s pr Written Verification of Employment covering 24 months. | 1.16.2026 Client provided Written VOE Work number dated 12.17.2025 for B1 supporting qualifying income used for qualifying covering YTD 2025 and prior two years | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 37 years. |
| 305058964 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 02/09/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 01/05. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.79 DTI below guideline of 45. |
| 305089669 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.68% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 61.33% max per guidelines is 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 6 years. |
| 305085664 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 34.08% max per guidelines is 90%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 last 62 months payment paid on time. |
| 305058963 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 7 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 last 23 months payment paid on time. |
| 305058962 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 682 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.27 DTI below guideline of 45. |
| 305058961 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 68 month mortgage payment history exceeds the 12 month minimum guideline requirements by 56 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 15 years. |
| 305058960 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof Initial CD 12/18/2025 was received by the borrower 3 days prior consummation date of 12/23/2025. | 10/26/2026 Client provided One Span reflecting Initial CD viewed on 12/18. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 65%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 31%. |
| 305058959 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 54%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |
| 305058958 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25.21 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 FICO exceeds guideline of 660. |
| 305058957 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21yrs time at current residence |
| 305085663 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57.28% max per guidelines is 85%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 28 years. |
| 305085662 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.23% below guideline requirement 45.00%. |
| 305085661 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 57.10% below guideline requirements 75.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 9 years. |
| 305089668 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 59.09% max per guidelines is 75%. |
| 305058956 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 683 max per guidelines is 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 26 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.24% max per guidelines is 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 9 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 27.67% max per guidelines is 75%. |
| 305089667 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of credit, 1% revolving credit utilization.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 26.9 years. |
| 305058955 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 756 is 56 points above program guideline minimum of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.78% LTV below guideline requirements of 80.00% per program. |
| 305089666 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 8yrs time in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7yrs time at current residence |
| 305085660 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 61.69% below guideline requirements 80.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence > 13 years |
| 305058954 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 28yrs time at current residence |
| 305058953 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058952 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 36 months positive mortgage payment history |
| 305085659 | XXXXXX | XXXXXX | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058951 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 61.58% is less than the max of 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.69% is less than the max of 45%. |
| 305058950 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 9 years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 63% |
| 305058949 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $206.00 monthly taxes for the subject property. Taxes are not escrowed. | 1.14.2026 Client provided copy of 2025 property tax statement supporting $206.00 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 FICO exceeds guideline of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence. |
| 305085658 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Employed since 8/1/2001.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by 640 a month. |
| 305058948 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 27yrs time at current |
| 305058947 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years on current job<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305058947 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years on current job<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305089665 | XXXXXX | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years and 6 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 FICO exceeds program min by > 20 points<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 4% revolving credit utilization. |
| 305058946 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 18 yrs time in profession |
| 305089664 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.75 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 FICO exceeds guideline of 700. |
| 305085657 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated 02/11/2026 was not provided to borrower within 3 days of the application date of 01/31/2026. | 03/24/2026 Client provided missing List of homeowners counseling organizations dated 02/04. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 59%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305085657 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | LE dated 02/11/2026 was not provided to borrower within 3 days of the application date of 01/31/2026. Additionally, Intent to Proceed confirmation reflects Initial LE was sent to the borrower 02/04/2026. | 03/24/2026 Client provided missing Initial LE 2/4. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 59%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305058945 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 773 is above the minimum of 760<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.64%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 64.89%; guidelines allow 90% |
| 305058944 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 49%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 26% |
| 305058943 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations date 12/1/25 not provided w/in 3 days of application | 01/15/2026 Client provided missing Disclosures dated 11/07, including the List of homeowners counseling organizations | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 30 years at current job<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305058943 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken 11/05/2025, the initial LE was not issued until 11/21/2025. Greater than the required 3 days | 01/15/2026 Client provided missing Disclosures dated 11/07, including LE 11/07. Condition remains. One Span in file, indicates disclosures dated 11/5. Provide these disclosures for Final testing. 01/19/2026 Client provided 11/05 Disclosures, no 11/05 LE. Cover page states once the formal application is complete, they will be sent a full disclosure pacakge. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 30 years at current job<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305085656 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application date was taken 01/22/2026, the initial LE was not issued until 2/5/2026. Greater than the required 3 days. | 03/13/2026 Client provided the missing Initial LE 1/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.84 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 73.18 is less than the max of 80. |
| 305085655 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document. | 03/13/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 01/30. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >12 years at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has > 10 years at current job |
| 305058942 | XXXXXX | XXXXXX | XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 28.92 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 64.40% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 97 months exceeds guidelines of 12 months |
| 305058941 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 10yrs time at current job |
| 305058940 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 FICO exceeds guideline of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 50 years at current residence. |
| 305085654 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence > 6 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >23 years at current job |
| 305058938 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 FICO exceeds guideline of 700. |
| 305089663 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 9% revolving credit utilization<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years and 4 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 FICO exceeds program min by > 20 points |
| 305058937 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 11 years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |
| 305058936 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments for the mortgage history<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 58% |
| 305058935 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 671 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.28 DTI below guideline of 45. |
| 305058934 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 12 years and 6 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 56+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.30% LTV below guideline requirements of 85.00% per program.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 305085653 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305058933 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing documentation of XXXXXX year to date income from previous job with XXXXXX. The VOE in file shows she was employed there until 9/28/2025. | 1.21.2026 Client provided B2 last paystub (dated 9.24.2025) with prior employer XXXXXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 19.61 DTI below guideline of 45. |
| 305058933 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Potential Misrepresentation | Satisfied C A | CRDPMR1811 | Potential misrepresentation of borrower's property ownership history | No | Missing documentation confirming that XXXXXX no longer owns XXXXXX. The Drive report shows that she acquired the property on 2/26/2024. | 1.15.2026 Client provided Lexis Nexus for property: XXXXXX and provided LOX stating, the property is owned by XXXXXX. See attached. Response, please clarify your response, XXXXXX is B2 and per your comment the property is owned by XXXXXX and XXXXXX. Condition remains for Client clarification on comment stating is owned by XXXXXX and XXXXXX (XXXXXX is B2) 1.16.2026 Client provided LOX correction stating Lexis Nexus verifies property is in name of XXXXXX and XXXXXX XXXXXX, not in our borrower name. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 19.61 DTI below guideline of 45. |
| 305085652 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 14 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 44.78% LTV below guideline requirements of 90.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 19 years and 1 month |
| 305089662 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 55.84% max per guidelines is 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.87% max per guidelines is 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 12 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 805 max per guidelines is 760. |
| 305089661 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 38 month mortgage history. 0X30,60,90 days. Paid as agreed.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 24.11 months |
| 305058932 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing explanation for the XXXXXX deduction on the borrowers paystub. | 1.15.2026 Client provided LOX stating, 34.21 bi-weekly debt which is $74.12 per month liability added and we still qualify. updated 1008 is attached. Loan still qualifies at 38.281% DTI. Response, updated 1008 was provided including payment. | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.47% DTI below guideline of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 FICO exceeds guideline of 660. |
| 305085651 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years and 10 months at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30x24 mortgage payment history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years and 4 months at current residence. |
| 305089660 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.00% is less than the max of 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.61% is less than the max of 45%. |
| 305058931 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 89.16%; guidelines allow 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 791 is above the minimum of 760<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.79%; guidelines allow 45% |
| 305085650 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Finance Charge Tolerance | Satisfied B | CMPFINT109 | Finance charge understated by more than $35 (Pmt Stream) | No | Corrected on PCCC:3/20/2026. Exception satisfied | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 63%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 35 years at current job |
| 305085650 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Finance Charge Tolerance | Satisfied B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | Corrected on PCCC:3/20/2026. Exception satisfied | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 63%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 35 years at current job |
| 305085650 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | Corrected on PCCC:3/20/2026. Exception satisfied | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 63%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 35 years at current job |
| 305058930 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 51.54 is less than the max of 90<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 16.10 is less than the max of 45. |
| 305058929 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33% DTI is 12% below the maximum guideline requirement of 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 35 years. |
| 305058928 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 13 years at current residence<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Co-borrower has bonus income not used to qualify |
| 305058927 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.92 DTI below guideline of 45. |
| 305058926 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | TX- 01/26/2026- Client provided an approved exception for missing T.42 Title Endorsement. | TX- 01/26/2026- Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 60%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 21%. |
| 305058926 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | TX- 01/26/2026- Client provided an approved exception for missing T.42.1 Title Endorsement. | TX- 01/26/2026- Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 60%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 21%. |
| 305058925 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 6 years and 9 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.31% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 753 is 93 points above program guideline minimum of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years and 6 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.56% DTI is below guideline requirement of 45.00%. |
| 305085649 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 15 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 24.08 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 66.58% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 45 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.15% below guideline requirement of 45% |
| 305058924 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 45.56%; guidelines allow 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 69.98%; guidelines allow 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 714 is above the minimum is 700 |
| 305058922 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 21 years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 43% |
| 305089659 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 304814476 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 40 Years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 37.52% is below maximum allowed of 80% |
| 305085648 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC3274 | Mortgage/Deed in file is incomplete | No | Mortgage in file is incomplete, only contains pages 1-6/20. Missing pages 7-20, including Notary and Signature page. | 03/16/2026 Client provided the fully executed, all pages including signature and notary pages. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 FICO exceeds guideline of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 35 years at current job. |
| 305085648 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Mortgage in file is incomplete, only contains pages 1-6/20. Missing pages 7-20, including Notary Status. | 03/16/2026 Client provided the fully executed, all pages including signature and notary pages. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 FICO exceeds guideline of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 35 years at current job. |
| 305085648 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Mortgage in file is incomplete, only contains pages 1-6/20. Missing pages 7-20, including Borrower Signatures. | 03/16/2026 Client provided the fully executed, all pages including signature and notary pages. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 FICO exceeds guideline of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 35 years at current job. |
| 305089658 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/01/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 03/04. Mail rule applies, making the earliest closing date 03.11. Actual closing date 03/18. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 50.87% below guideline requirements 75.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property for 22 years. |
| 305085647 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.77 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 42.45 is less than the max of 90. |
| 305058921 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing explanation for the XXXXXX deduction on the borrowers paystub. | 1.29.2026 Client provided LOX stating, Deduction of $50 towards XXXXXX is towards CD (Certificate of Deposit) as verified from Payroll register document provided in WVOE. Hence, not included in liabilities and additional documents were not needed | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 697 FICO exceeds guideline of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11 years at current job. |
| 305058921 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing documentation from the employer clarifying the borrowers flat rate pay amount. The paychecks provided show a varying amount. Per the email in file, the borrowers pay structure changed from base pay and overtime to a flat rate effective 10/2025. An average of the borrowers total income for the prior two years (which includes base pay, flat rate pay, bonus and overtime pay) was used, however this is not reflective of the current pay structure as the WVOE indicates no continuance of bonus or overtime pay. | 1/28 Client provided an Email breakdown of payroll used for calculation; Upon review the WVOE indicated an attachment "please see attached Email for payroll reports for flat rat pay Oct - Dec 2025 other is 2025 Flat rate pay; Please provide the attached payroll reports that are missing from the 12/30 WVOE reviewed 1.30.2026 Client provided duplicate (in file) income documents and with review of paystubs (dated October 2025 and up) along with Written VOE dated 12.30.2025 considering the lowest flat rate of $2,187 semi monthly for monthly $4,374 income vs using YTD average due to change pay structure as of October 2025 and paystubs reflect different flat rate pay each pay period however $2,187 is the lowest, considering the lowest for qualifying, income being supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 697 FICO exceeds guideline of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11 years at current job. |
| 305058921 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A | Credit | Potential Misrepresentation | Satisfied C A | CRDPMR1811 | Potential misrepresentation of borrower's property ownership history | No | Missing explanation for the address showing on the borrower's driver's license which is different from the subject property address. | 1.29.2026 Client provided LOX stating DL issued in 2018 and address reported on DL is 2111 E 1850 S Gooding, ID 83330-6147 was rented by borrower prior to purchase of subject property. Response, per application borrower have been at subject over 6 years and ID still reflecting prior rental address?, further clarification from borrower is needed on address of 2111 E 1850 S verifying family address, etc. and why using prior rental address if subject have been current address for the past 6 years. 2.3.2026 Client provided LOX stating, DL issue date is 12/17/2018 and on credit report its not reported even in last 24 months additionally in company record borrowers address is subject property address, In fraud report there is no indication that borrower own or lived on this property and no occupancy alert as well. Response, need to be addressed by borrower for loan file. 2/12 Client provided an LOX and Credit report to show prior 1850 S Gooding address was listed on credit as prior residence; Upon review sufficient evidence exists to show address on DL was prior residence | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 697 FICO exceeds guideline of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11 years at current job. |
| 305085646 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 814 is 154 points above program guideline minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 39.19% LTV below guideline requirements of 90.00% per program.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 36+ months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.73% DTI is below guideline requirement of 45.00%. |
| 305085645 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 47.10 is less than the max of 90<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 26.04 is less than the max of 45. |
| 305085644 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.36 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 675 FICO exceeds guideline of 660. |
| 305058920 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 01/19/2026- Client provided an approved exception for missing T.42 Title Endorsement | 01/19/2026- Initial and Final Grade B | (No Data) | Not Applicable | (No Data) |
| 305058920 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 01/19/2026- Client provided an approved exception for missing T.42.1 Title Endorsement | 01/19/2026- Initial and Final Grade B | (No Data) | Not Applicable | (No Data) |
| 305085643 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30yrs time at current residence |
| 305058919 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing HOI policy in file to confirm hazard coverage. Please provide missing document | 2.4.2026 Client provided subject HOI policy | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 795 is 65 points above program guideline minimum of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.69% DTI is below guideline requirement of 45.00%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 36+ months |
| 305058919 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing HOI policy page in file to confirm hazard coverage. Please provide missing document. | 2.4.2026 Client provided subject HOI policy | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 795 is 65 points above program guideline minimum of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.69% DTI is below guideline requirement of 45.00%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 36+ months |
| 305085642 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing Ack. of receipt of Home Mtg. Info. Document form. | 03/26/2026 Client provided missing disclosure. Condition satisfied | 03/26/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Employed since 06/01/2012.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by $1,255 per month. |
| 305058918 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective date of 1/22/2026 is greater than the transaction date of 1/12/2026. | 1.26.2026 Client provided prior HOI policy effective 1.22.2025 - 2026 and file having 2026 - 2027 | Condition satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.68 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 678 FICO exceeds guideline of 660. |
| 305058917 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.47%; guidelines allow 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 676 is above the minimum of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 54.27%; guidelines allow 75% |
| 305085641 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 32.26 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70 is less than the max of 80. |
| 305085640 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 37 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 5 years. |
| 305085639 | XXXXXX | XXXXXX | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20yrs time at current residence |
| 305058916 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 707 is above the minimum of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.07%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 66.94%; guidelines allow 80% |
| 305058916 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 707 is above the minimum of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.07%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 66.94%; guidelines allow 80% |
| 305089657 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/03/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 03/03. Mail rule applies, making the earliest closing date 03/10. Actual closing date 03/22. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 22 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 14 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history 0 X 30 over 89 months. |
| 305089656 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 04/01/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 03/03. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 FICO exceeds guideline of 760.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 46.41% DTI below guideline of 50%. |
| 305089655 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 31 yrs time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 35 yrs time at current residence. |
| 305089654 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.31% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 41.74% LTV below guideline requirements of 85.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 9 years and 3 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 757 is 97 points above program guideline minimum of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 17 years and 5 months |
| 305058915 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | The file contains only the Final CD signed at closing. Provide the Initial CD with confirmation of borrower receipt at least 3 business days prior to consummation. Additional conditions may apply | 02/03/2026 Client provided a One Span reflecting Disclosure was sent on 12/24 with no tracking information. Condition remains. Provide the Initial CD that was sent out to Borrower on 12/24 and evidence of the receipt by Borrower. 02/06/2026 Client provided 12/24 Disclosures as well as the missing Initial CD 12/24. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 36%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305058914 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 716 is 46 points above program guideline minimum of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 19 years and 9 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.72% LTV below guideline requirements of 80.00% per program.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 305089653 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 9 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history 0 X 30 over 26 months |
| 305085638 | XXXXXX | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years and 6 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 FICO exceeds program min by > 20 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 12 years and 6 months at current residence. |
| 305058913 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 43 time at current residence |
| 305089652 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 40 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgages on credit report have a 20+ 0 X 30 payment history. |
| 305058912 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 35 yrs in the profession. |
| 305058911 | XXXXXX | XXXXXX | XXXXXX | VT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 12 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 6 years and 6 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.67% LTV below guideline requirements of 75.00% per program. |
| 305058910 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 62.84 is less than the max of 90.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.62 is less than the max of 45. |
| 305058909 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 18 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x70 exceeds mortgage history guidelines. |
| 305058908 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/30/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 1/05. Mail rule applies making the earliest closing date 1/11. Actual closing date 1/12. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) |
| 305058908 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 01/30/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 12/11. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) |
| 305058907 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document is missing. | 02/11/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 11/26. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) |
| 305085637 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Employed since 9/28/1998.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 53.36 is less than the max of 80. |
| 305058906 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 10 years and 10 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 27 years and 1 month<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.89% DTI is below guideline requirement of 45.00%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 17 years |
| 305085636 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 73.14% below guideline requirements 85.00% |
| 305058905 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 27yrs time at current residence |
| 305085635 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective date of 4/7/2026 is greater than the transaction date of 3/3/2026. | 3.23.2026 Client provided prior HOI policy from 4.7.2025 - 4.7.2026 and file having 4.7.2026 - 2027 | Condition satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.32% DTI below guideline of 45%. |
| 305089651 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 61.91% is less than the max of 75%.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Significant total monthly debt reduction by $716.96 |
| 305085634 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 11 years and 8 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 15 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 32.64% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 765 is 65 points above program guideline minimum of 700. |
| 305085633 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 21.10% is below guideline of 45% |
| 305058904 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 5 years and 2 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.42% DTI is below guideline requirement of 45.00%. |
| 305058903 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 55%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 32% |
| 305058902 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 79.96%; guidelines allow 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.22%; guidelines allow 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 720 is above the minimum of 700 |
| 305089650 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 66%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 33% |
| 305058901 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 24 yrs time in the profession. |
| 305058900 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 25 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 10 years. |
| 305058899 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 33.21% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 7.7 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 14.5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 82 months exceeds guidelines of 12 months |
| 305085632 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing LE dated 1/12/2026 per the Intent to Proceed Confirmation | 03/16/2026 Client provided the missing Initial LE 1/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 25 years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 47% |
| 305085631 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.12 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70.10 is less than the max of 80. |
| 305058898 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.03 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 691 FICO exceeds guideline of 660. |
| 305089649 | XXXXXX | XXXXXX | XXXXXX | NM | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.34% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.99% LTV below guideline requirements of 75.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 20 years and 4 months |
| 305058897 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 732 is above the minimum of 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.35%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 69.92%; guidelines allow 80% |
| 305058896 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 20.60 is less than the max of 90.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25.89 is less than the max of 45. |
| 305089648 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x39<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8yrs time at current residence |
| 305058895 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 22+ years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 72.99 is less than the max of 80. |
| 305058894 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton status reflect Non-Qm Lender documented all ATR factor. Lender reflects QM status as QM Safe Harbor (APOR). Loan is NonQM due failing Section 32 | 01/06/2026 Client provided the missing Fee split document, however the split amounts do not match the Compliance Ease. CE reflects $185.00 and $265.00 as the split. The fee split now provided reflects $335.00 and $115.00 as the split and still tests as Section 32. Condition remains. 01/26/2026 Client provided the correct fee split document for proper allocation of Affiliate fees. QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 27 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 22.10% max per guidelines is 85%. |
| 305058894 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | Section 32 | Satisfied C A | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Loan is being tested for section 32 due to missing of the Split fee disclosure. Per CompEase in file loan is being split 185/265, please provide the missing disclose for proper testing. | 01/06/2026 Client provided the missing Fee split document, however the split amounts do not match the Compliance Ease. CE reflects $185.00 and $265.00 as the split. The fee split now provided reflects $335.00 and $115.00 as the split and still tests as Section 32. Condition remains. 01/26/2026 Client provided the correct fee split document for proper allocation of Affiliate fees. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 27 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 22.10% max per guidelines is 85%. |
| 305058893 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 10 years at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 23% |
| 305058892 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.21% max per guidelines is 85%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 16 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in current residence for 24 years. |
| 305058891 | XXXXXX | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A B | Compliance | TILA | Satisfied B A | CMPTILA4787 | TILA - Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. | No | Loan secured by investment property, primary use of funds was business but missing business purpose affidavit. | 01/22/2026 Client provided missing Business purpose Letter. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 32.63 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 45.81 is less than the max of 75. |
| 305058890 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.17 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.95 is less than the max of 75. |
| 305058889 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 FICO exceeds guideline of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence. |
| 305089647 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 739 is 79 points above program guideline minimum of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.31% LTV below guideline requirements of 80.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.06% DTI is below guideline requirement of 45.00%. |
| 305058887 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 59.86% max per guidelines is 75.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 5 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been self-employed for 7 years. |
| 305058886 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing LE dated 11/19/2025 per the Compliance Ease Report on page 705 and the Intent to Proceed Confirmation on page 640. | 01/28/2026 Client provided missing Initial LE 11/19. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years and 1 month<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 10 years and 11 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.06% LTV below guideline requirements of 75.00% per program. |
| 305058885 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated 12/23/2025 was not provided to the borrower within 3 days of the application date of 12/12/2025. | 01/29/2026 Client provided missing List of homeowners counseling organizations dated 12/16. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 26.57% is less than the max of 45%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0X30 since origination is 9/2021. |
| 305058885 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Missing Loan Estimated dated within 3 days of the application date of 12/12/2025. Additionally, ComplianceEase report in file reflects application date of 12/12/2025, and the Intent to Proceed Confirmation reflects LE 12/16/2025 was acknowledged by the borrower 12/19/2025. | 10/29/2026 Client provided missing Initial LE 12/16. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 26.57% is less than the max of 45%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0X30 since origination is 9/2021. |
| 305058884 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058883 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 17.54% max per guidelines is 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 23 years. |
| 305089646 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 18 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 45.54% max per guidelines is 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.02% max per guidelines is 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 8 years. |
| 305058882 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 13yrs time in profession |
| 305085630 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 9 years and 7 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 FICO exceeds program min by 16 points.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 5% revolving credit utilization. |
| 305085629 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 50 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 37.57% below guideline requirements of 75% |
| 305058881 | XXXXXX | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.11 DTI below guideline of 45. |
| 305058880 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated 12/15/25 not provided w/in 3 days of application | Client provided Initial Disclosures including missing List of homeowners counseling organizations 12/1. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 770 is 110 points above program guideline minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.08% LTV below guideline requirements of 90.00% per program.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 25 years and 5 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 22 years and 5 months |
| 305058880 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken 12/01/2025, the initial LE was not issued until 12/15/2025. Greater than the required 3 days | 01/20/2026 Client provided Initial Disclosures including missing LE 12/01. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 770 is 110 points above program guideline minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.08% LTV below guideline requirements of 90.00% per program.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 25 years and 5 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 22 years and 5 months |
| 305085628 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 24 years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 46% |
| 305085627 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 49.78% LTV below guideline requirements of 90.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 19.39% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 12 years and 6 months |
| 305089645 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | LTV/CLTV | Satisfied B A | CRDLTV5738 | CLTV Exceeds Guideline Requirement by less than 5% | No | CLTV Exceeds Guideline Requirement by less than 5%.\*Provide a Post closing CD reflecting the amount of principal reduction to bring CLTV to 80.00%. | 3.27.2026 Client provided PCCD with reflecting correction to payoffs and payments for Principal Reduction payment being made of $5,100 to considered CLTV of 80% or less (actual 79.94%) with this 1 month payment. Final CD in file do reflect this principal reduction however did not specify the $5,100 amount and was included in the total amount payment of $2, 5163. basically the PCCD was to add the figure amount of $5,100 | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years at current job |
| 305058879 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: CBR score of 759 exceeds the 740 required.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since origination in 6/2022. |
| 305058878 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 754 is 94 points above program guideline minimum of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.06% LTV below guideline requirements of 85.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.63% DTI is below guideline requirement of 45.00%. |
| 305058877 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22yrs time at current residence |
| 305058876 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 66.55% max per guidelines is 85%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 10 years. |
| 305058875 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 62.19% max per guidelines is 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 10 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 30 years. |
| 305058874 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 5 years and 3 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 24 years and 3 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.53% LTV below guideline requirements of 90.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 14 years and 5 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 781 is 121 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.58% DTI is below guideline requirement of 45.00%. |
| 305058873 | XXXXXX | XXXXXX | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 20 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 7 years. |
| 305058872 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 772 is above the minimum of 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.06%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 27.92%; guidelines allow 75% |
| 305085626 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence or 5 years. |
| 305085625 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.41% below guideline requirement 45.00%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 71.72% below guideline requirements 90.00% |
| 305085624 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 22yrs time in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11yrs time at current residence |
| 305089644 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Employed since 9/12/2011.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.94 is less than the max of 45. |
| 305058871 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058870 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.24 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 676 FICO exceeds guideline of 660. |
| 305058869 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of revolving credit |
| 305089643 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Employed since 06/06/2005.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned residence 21+ years. |
| 305089642 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 5 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 9 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 17 years. |
| 305058868 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated 11/20/2025 was not provided to borrower within 3 days of the application dated 11/14/2025. | 01/15/2026 Client provided missing List of homeowners counseling organizations dated 11/18. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 22 yrs time at current job. |
| 305058868 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application dated 11/20/2025 was not provided to borrower within 3 days of the application dated 11/14/2025. | 01/15/2026 Client provided missing Initial LE 11/18. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 22 yrs time at current job. |
| 305058867 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 48.70 is less than the max of 90.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.71 is less than the max of 45. |
| 305085623 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has 28 years in current profession. |
| 305085622 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 54.42% max per guidelines is 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.40% max per guidelines is 45%. |
| 305058866 | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305089641 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 14 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.56% below guideline requirement 45.00%. |
| 305058865 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 796 is 116 points above program guideline minimum of 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.82% DTI is below guideline requirement of 45.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 12 years and 1 month |
| 305058864 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15yrs time at current residence |
| 305085621 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18yrs time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10yrs time in profession |
| 305058863 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48 month mortgage payment history exceeds the 12 month minimum guideline requirement by 36 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 credit score exceeds the 700 minimum guideline requirement by 37 points. |
| 305058862 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero Tolerance Fee of $375 (Appraisal Fee (2nd Appraisal) fee increased from LE $0 to CD $375. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 01/13/2026 Client provided COC 12/15 reflecting UW determined AVM did not support value, 2055 required for accurate property value. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 30%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 61% |
| 305058861 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 31.53% below guideline requirement of 45%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 18.29% below guideline requirements of 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 17.33 years |
| 305058861 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 31.53% below guideline requirement of 45%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 18.29% below guideline requirements of 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 17.33 years |
| 305058860 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Home Mortgage Information Document not provided | 02/04/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 12/10. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% CLTV is 15% below the maximum guideline requirement of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 credit score exceeds the 700 minimum guideline requirement by 70 points. |
| 305085620 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058859 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 17.5%; guidelines allow 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 774 is above the minimum of 760<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 35.48%; guidelines allow 90% |
| 305085619 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing 2 year work history. Need W-2's or WVOE. | 3/18/2026 client provided WVOE covering last 3 years. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 787> is above guideline minimum credit score 760.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 57.94% is 32.06 points below the program guideline maximum 90%. |
| 305089640 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24yrs time at current residence<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x25 |
| 305089639 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 21% revolving credit utilization |
| 305058858 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 last 31 months payment paid on time.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 15 years. |
| 305089638 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 20 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x73 exceeds mortgage history guidelines. |
| 305085618 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >10 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 9 years. |
| 305085617 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage on file. | 03/18/2026 Client provided the missing, fully executed Mortgage with all pages, including PUD Rider. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.17 DTI below guideline of 45.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16 years at current job. |
| 305058857 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 19%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 53% |
| 305085616 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.52% DTI below guideline of 45%. |
| 305089637 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 6 years and 7 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 19 years and 5 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.03% LTV below guideline requirements of 90.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years and 9 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.70% DTI is below guideline requirement of 45.00%. |
| 305058856 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 756 is 96 points above program guideline minimum of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 6 years and 6 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 8 years and 11 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.06% LTV below guideline requirements of 85.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 1 month<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 19.40% DTI is below guideline requirement of 45.00%. |
| 305089636 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x79mo<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12yrs time at current residence |
| 305058855 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 23 years on current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 68% |
| 305058854 | XXXXXX | XXXXXX | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 49.41 is less than the max of 90.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 12+ years. |
| 305058853 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 47%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 20 years at current SE job |
| 305058852 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 20yrs time in profession |
| 305058851 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 credit score exceeds the 700 minimum guideline requirement by 57 points.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 62 months mortgage payment history exceeds the 12 month minimum guideline requirement by 50 months. |
| 305058850 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 776 is above the minimum of 760<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.25%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 71.52%; guidelines allow 90% |
| 305085615 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 62 month mortgage history exceeds the 12 month minimum guideline requirement by 50 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 689 credit score exceeds the 660 minimum guideline requirement by 29 points. |
| 305089635 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | A | A D C | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation Non-Borrower (Courtney E. Cole) received an accurate CD 3 business days prior to closing. OneSpan Electronic Evidence provided dated 03/04/2026 was incomplete/missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing | 03/24/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 03/04. Mail rule applies, making the earliest closing date 03/11. Actual closing date 03/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.76 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 FICO exceeds guideline of 700. |
| 305089635 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | A | A D C | A | A D | Credit | Potential Misrepresentation | Satisfied C A | CRDPMR1811 | Potential misrepresentation of borrower's property ownership history | No | Missing explanation for the address showing on the borrower's driver's license which is different from the subject property address. | 4.2.2026 Client provided LOX stating, Please be advised that the borrower ID was issued in 2018 prior to borrower purchasing home in 2021. Please clear this condition. Response, address differences through out file do at least need to be address to support occupancy, even though license was issued 2018 and just acquired property 2021 still would require at least an explanation regarding the ID address when different from the address where they say is their Primary Occupancy, however credit report do reflect subject as the primary address and most recent address, will accept. | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.76 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 FICO exceeds guideline of 700. |
| 305085614 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 12+ years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 45.11 is less than the max of 75. |
| 305085613 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 6 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years. |
| 305089634 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 9 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage Payment history 0 X 30 over 89 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 7 years |
| 305085612 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing title document | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10yrs time in profession |
| 305089633 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Texas Equity : Missing T.42 Title Endorsement | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.01% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.32% LTV below guideline requirements of 75.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 30 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 27 years and 1 month |
| 305089633 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Texas Equity : Missing T.42.1 Title Endorsement | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.01% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.32% LTV below guideline requirements of 75.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 30 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 27 years and 1 month |
| 305085611 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 64%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 23% |
| 305058849 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $7.36 monthly taxes for the subject property. Taxes are not escrowed. | 1.22.2026 Client provided copy of property tax bill supporting $7.36 mo. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.07 DTI below guideline of 45. |
| 305058848 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 56%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 27% |
| 305085610 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 57%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history. |
| 305058847 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 6 years 10 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 67 months mortgage payment history exceeds the 12 month minimum guideline requirement by 55 months. |
| 305085609 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.24% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.93% LTV below guideline requirements of 85.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 7 years and 4 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years and 4 months |
| 305085609 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.24% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.93% LTV below guideline requirements of 85.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 7 years and 4 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years and 4 months |
| 305089632 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage Payment history 0 X 30 over 68 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Primary borrower has been in the same line of work for 10 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 7 years. |
| 305085608 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 25.79 is less than the max of 90.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 15.44 is less than the max of 45. |
| 305058846 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 yrs time at current residence. |
| 305058845 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.09% LTV below guideline requirements of 75.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years and 5 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.55% DTI is below guideline requirement of 45.00%. |
| 305058844 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.47 is less than the max of 80.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.38 is less than the max of 50. |
| 305089631 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.45% CLTV below guideline requirements of 80% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 71 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 305058843 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 45 years at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 65% |
| 305085607 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >32 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years. |
| 305085606 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 26 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 48.27% max per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 807 max per guidelines is 760.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 17 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.24% max per guidelines is 45%. |
| 305058842 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 44.55% LTV below guideline requirements of 75.00% per program. |
| 305058841 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6 years and 2 months at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 9 years and 4 months at current residence<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 15% revolving credit utilization |
| 305085605 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 16 years and 1 month<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.46% LTV below guideline requirements of 85.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 21 years and 2 months |
| 305058840 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305085604 | XXXXXX | XXXXXX | XXXXXX | AK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 30%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of revolving credit |
| 305058839 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 63.30%; guidelines allow 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.40%; guidelines allow 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 746 is above the minimum of 740 |
| 305085603 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.47% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 706 is 46 points above program guideline minimum of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 6 years and 2 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 17 years |
| 305085602 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10yrs time in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8yrs time at current residence |
| 305058838 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 78.05%; guidelines allow 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 747 is above the minimum of 740<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.79%; guidelines allow 45% |
| 305089630 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.26% CLTV below guideline requirements of 80% per program. |
| 305089629 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.68 is less than the max of 50.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.14 is less than the max of 90. |
| 305058837 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 25yrs time in profession |
| 305058836 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of 11/17/2025. | 12/03/2025 Client provided Onespan reflecting CD 11/12 was viewed by both on 11/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 8 years 6 months at current job. |
| 305058836 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C | Credit | Credit/Mtg History | Waived C B | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation confirming the payoff amounts for the following accounts: XXXXXX. The credit report shows higher balances for these accounts. | 12.11.2025 Client provided credit supplement verifying XXXXXX have been paid in full $0 balance (balance was $22,945). Response, initial condition requested evidence of four (4) debts being paid off due to balances on credit report and CD balances differ, only XXXXXX credit supplement provided to support $0 balance, still missing evidence $0 balance XXXXXX12.17.2025 Client provided LOX stating, 12/17/25 Regarding the 3 remaining debt 2 for XXXXXX and 1 for XXXXXX. Our underwriting is asking if it will be acceptable to use the remaining balance (difference between credit and payoff amount) and debt service in DTI at 5%. Please advise. Response, agree to use 5% of difference balance from payoff and credit report with updated 1003/1008 Condition remains for updated 1003/1008 to include monthly debts (three) using 5% of balance difference, due to payoff balance was slightly lower than credit report higher balances. Note: DTI is currently 45% 1.7.2026 Client provided SLE approval to allow for DTI of 45.6% with including slightly difference balance of three (3) account and using 5% of the slight difference balance however did not provided the updated 1003/1008 to reflect this updated DTI of 45.6%; upon receipt and review, DD Firm DTI to also be updated to reflect as such. Condition remains for the 1003/10081.12.2026 Client provided updated 1003/1008 with including the three (3) debts (XXXXXX) using the difference in balance from credit report for an updated DTI of 45.61% in which exceed guidelines maximum of 45.00%1.12.2026 Client provided SLE exception approval for DTI of 45.61% exceeding guidelines requirement of 45.00% | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: CLTV 53% and over 10 years at subject residence | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 8 years 6 months at current job. |
| 305058835 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.35% DTI is below guideline requirement of 45.00%. |
| 305085601 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 30% |
| 305085601 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 30% |
| 305058834 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective date of 2/22/2026 is greater than the transaction date of 1/20/2026. | 2.2.2026 Client provided prior HOI policy for subject | Condition satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.34 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 695 FICO exceeds guideline of 660. |
| 305058833 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.91 DTI below guideline of 45. |
| 305058832 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Missing Final CD signed at closing by the borrowers | 1/29/2026 Client provided the CD 1/12 e-signed by both on 1/16 which is after the expiration date of the ROR's. Condition remains. Provide the CD that was given to and signed by the Borrowers at closing on 1/12 for re-review.01/30/2026 Client provided Collaborate comment: Please advise if re-opening rescission will satisfy the findings. Reopen rescission for all title holders dated allowing for the delivery plus three days, LOE to Borrower and evidence of delivery via tracking. 02/12/2026 Client provided the Re-opened right to close delivered 2/4 with expiration date of 2/10 for both. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 8 years at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 11 years at current job |
| 305085600 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 36%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 20 years in current profession |
| 305058831 | XXXXXX | XXXXXX | XXXXXX | ME | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058830 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 740 is above the minimum of 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.88%l; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 61.83%; guidelines allow 80% |
| 305085599 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.13 DTI below guideline of 45. |
| 305085598 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 11 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 21 years. |
| 305058829 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Right of Rescission | Satisfied B | CMPROR118 | ROR - Disbursement date is on/before disclosed "midnight of" date | No | ROR Expiration date is 12/27/2025 (based on Mortgage Notary date of 12/21/2025); disbursement date per Final CD: 12/20/2025 is 12/26/2025. Borrower did not receive full mandatory rescission period. | 01/22/226 Client provided re-opened rescission package including H8 ROR received 1/14, expiration dated 1/20, LOE and delivered shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 18 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 73.28% below guideline requirements 85.00%. |
| 305058828 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.32 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 63.36 is less than the max of 80. |
| 305058827 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 21 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 67.79% max per guidelines is 85%. |
| 305085597 | XXXXXX | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 25 years at current job |
| 305085596 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.55 DTI below guideline of 45. |
| 305089628 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 8 years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |
| 305058826 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero Tolerance Fee of $100 (Title - Title Examination Fee) fee increased from LE $0 to CD $100. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 10/21/2026 Client provided COC 1/2 reflecting Title Examination fee added to Temp cure a UCC to allow the loan to close. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 17 years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 787 is 67 points above program guideline minimum of 720. |
| 305058826 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Need evidence of change of circumstances letter for Ten Percent tolerance, (Recording Fees and Other Taxes) increase, or a copy of a refund check in the amount of $26.17. | 01/30/2026 Client provided PCCD 1/29 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 17 years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 787 is 67 points above program guideline minimum of 720. |
| 305058825 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.24% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 12 years and 1 month<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 6 years and 11 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.32% LTV below guideline requirements of 80.00% per program. |
| 305058824 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 credit score exceeds the 680 minimum guideline requirement by 80 points.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 23% DTI is 22% below the maximum guideline requirement of 45%. |
| 305058823 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5yrs time at current residence |
| 305085595 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 3.10.26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10yrs time in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21yrs time at current residence |
| 305085595 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 3/10/26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10yrs time in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21yrs time at current residence |
| 305085595 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero Tolerance $100.00. Additional Title Examination fee. Change of Circumstance, or Post Close CD, LOX and a copy of refund check to borrower. | 03/16/2026 Client provided COC 1/2 reflecting additional lien identified on title's property report summary, requiring title curative action and resulting in examination fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10yrs time in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21yrs time at current residence |
| 305085594 | XXXXXX | XXXXXX | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 37.76 is less than the max of 75.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: CBR score of 770 exceeds the 720 required. |
| 305058822 | XXXXXX | XXXXXX | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years time at current residence |
| 305085593 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 35%<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has history of bonus income not used to qualify |
| 305058821 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16yrs time at current residence |
| 305085592 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years on current job.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history. |
| 305058820 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 16yrs time in profession |
| 305085591 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/23/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 02/12. Mail rule applies, making the earliest closing date 02/20. Actual closing date 03/09. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.42% DTI is below program max of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 805 FICO exceeds program min by > 20 points<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 5% revolving credit utilization |
| 305058819 | XXXXXX | XXXXXX | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.69 is less than the max of 45.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by $2,010 per month. |
| 305085590 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 5.5 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6.92 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 82.22% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 37 months exceeds guidelines of 12 months |
| 305085589 | XXXXXX | XXXXXX | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0X30 on both primary and subject since origination.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: CBR score of 775 exceeds the 720 required. |
| 305058818 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058817 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305085588 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation Non-Borrower (Julie H Earle) received an accurate CD 3 business days prior to closing. OneSpan Electronic Evidence provided dated 02/18/2026 was incomplete/missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/25/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 02/18. Mail rule applies, making the earliest closing date 02/25. Actual closing date 03/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 27%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 44% |
| 305085587 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.43 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 FICO exceeds guideline of 680. |
| 305089627 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6yrs time at current residence<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x40 |
| 305058816 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 02/11/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 01/09. Mail rule applies making the earliest closing date 01/16. Actual closing date 1/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 9 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.14% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.47% max per guidelines is 85%. |
| 305058815 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058814 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x37 exceeds mortgage history guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 678 > is above guideline minimum credit score 660. |
| 305089626 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x28<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 50yrs time at current residence |
| 305058813 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 39 years and 5 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.37% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.18% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 739 is 79 points above program guideline minimum of 660. |
| 305058812 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | A | A C B | A | A C B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 36%. |
| 305058812 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | A | A C B | A | A C B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 36%. |
| 305058812 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3568 | TRID - Error discovered on the Loan Estimate | No | Missing Revised LE 12/09/2025. Change in Circumstance dated 12/08/2025 reflects revised LE 12/09/2025 was Rate Locked. | 2/03/2026 Client provided a Collaborate Comment: Per PRC manager No disclosures were sent on 12/9, therefore any COC indicating a disclosure went out that day would be inaccurate. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 36%. |
| 305058811 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 18yrs time in profession |
| 305089625 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing updated VVOE dated with 10 days of closing.. VVOE dated 2.24.26 for borrower and 2.11.26 for co-borrower, loan closed on 3.17.26 for | 3.31.2026 Client provided VVOE for both borrowers dated 3.4.2026 | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 7 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 last 54 months payment paid on time. |
| 305058810 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective date of 1/15/2026 is greater than the transaction date of 1/8/2026. | 1.26.2026 Client provided prior HOI policy effective 1.15.2025 - 2026 | Condition satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.54 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 FICO exceeds guideline of 660. |
| 305085586 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence > 8 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has >22 years at current job |
| 305058809 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.26% LTV below guideline requirements of 75.00% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 305058808 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058807 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.58 is less than the max of 50.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 56.31 is less than the max of 90. |
| 305089624 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage Payment history 0 X 30 over 95 months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 7 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 11 years. |
| 305058806 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.22% LTV below guideline requirements of 75.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 23 years |
| 304814308 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.47is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57.65 is less that the max of 90. |
| 305085585 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation both borrower and non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/24/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 01/26. Mail rule applies, making the earliest closing date 02/01. Actual closing date 03/13. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: B1 has only made use of 7% of an available $77,325.00 revolving credit line |
| 305085584 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 55.53% max per guidelines is 85%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 8 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 26 years. |
| 305058805 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10yrs time at current job |
| 305089623 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 37%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 69% |
| 305085583 | XXXXXX | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.22 DTI below guideline of 45. |
| 305085582 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.85% max per guidelines is 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 9 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.19% max per guidelines is 85%. |
| 305085581 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 42 years and 8 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.87% LTV below guideline requirements of 75.00% per program. |
| 305085580 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >21 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years. |
| 305085579 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.70% LTV below guideline requirements of 80.00% per program.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 305058803 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower has been at current job for 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 799 max per guidelines is 720. |
| 305058802 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.20 is less than the max of 45.LTV of 47.01 is less than the max of 75.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 47.01 is less than the max of 75. |
| 305058801 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 35 years at current SE job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 65% |
| 305058800 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | Compliance Manual | Satisfied B A | CMPMAN2992 | 1003 - Initial Application is not Accurate | No | Provide Initial Executed URLA for B2. | 2.6.2026 Client provided LOX stating, B2 never signed initial 1003 this was sent but he did not complete. final 1003 in final completed by all parties. Copy of 1003 sent to borrower is attached. Response, Client provided an unsigned 1003 for B2 | Condition satisfied | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by $1,246 per month.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in profession 28 years. |
| 305058799 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11yrs time at current residence |
| 305058798 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 67.42% max per guidelines is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 9 years. |
| 305058797 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.17 is less than the max of 75.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0X30 since origination 12/2020. |
| 304435863 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.32% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 733 is 73 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 53+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.53% DTI is below guideline requirement of 45.00%. |
| 305058796 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.17 is less than the max of 50.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.91 is less than the max of 80. |
| 305058795 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13yrs time at current residence |
| 305058794 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 59 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 29.67% below guideline requirements of 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.56% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 32 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 27.83 years |
| 305058793 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.64% DTI is below guideline requirement of 45.00%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 21 years and 4 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 305058792 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.76% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 16 years and 9 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 8 years and 5 months |
| 305089622 | XXXXXX | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 FICO exceeds program min by > 20 points.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.72% DTI is below program max of 45%. |
| 305058791 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 18 years in current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV 58%. |
| 305085578 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.57 is less than the max of 50.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 73.02 is less than the max of 85. |
| 305058790 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.93% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 55.66% max per guidelines is 75%. |
| 305085577 | XXXXXX | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 3.18.26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x87mo<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11yrs time at current residence |
| 305085577 | XXXXXX | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 3.18.26 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x87mo<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11yrs time at current residence |
| 305058789 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 59.12%; guidelines allow 45%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.78%; guidelines allow 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 748 is above the minimum of 740 |
| 305085576 | XXXXXX | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A D | No Finding | No Finding | No | Provide documentation Non Borrower (Bunmi Wynn) received an accurate CD 3 business days prior to closing. OneSpan Electronic Evidence provided dated 03/03/2026 was incomplete; missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/23/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 03/03. Mail rule applies, making the earliest closing date 03/10. Actual closing date 03/10. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 36.25% below guideline requirements 80.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years. |
| 305085575 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 32%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 63%. |
| 305085574 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 22.40% below guideline requirements 85.00%. |
| 305058788 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 14 years and 8 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.20% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 751 is 51 points above program guideline minimum of 700. |
| 305085573 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 35%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 26% |
| 305089621 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 4 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 76.16% below guideline requirements 85.00%. |
| 305058787 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 15% |
| 305089620 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence> 17 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 45.80% below guideline requirements 85.00% |
| 305058786 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 02/04/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 1/16. Mail rule applies making the earliest closing date 01/24 Actual closing date 01/24. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.01 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 678 FICO exceeds guideline of 660. |
| 305058785 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A C B | Compliance | Section 32 | Satisfied C A | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Section 32 threshold calculation: Maximum charges $2,686.29; Adjusted charges $2,945.68 ($259.39 difference). Total charges of 5.483% exceeds the fees test threshold Maximum Charge of 5.00%. Additionally, Missing Fee Split to determine which fees were paid to Affiliate/Other.Threshold CalculationAdjusted Charges$2,945.68Total Loan Amount$53,725.88Maximum Charges %5.000%Maximum Charges$2,686.29Charges Margin to Threshold$259.39Total Charges %5.483%Exceeds fees test threshold?Yes | 12/23/25 Client provided a Split Fee disclosure. Payees were updated and fees were re-tested. Section 32 is satisfied however a new condition for tolerance was triggered CMP3640. | 12/23/25 Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 17 years and 10 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 755 is 35 points above program guideline minimum of 720.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 305058785 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | \*\* New condition was triggered during stip clearing and re-testing fees\*\*Zero tolerance in amount of $100 due to added Title Doc Prep fee on final CD 12/6/25 with no valid COC in file. Lender's credit of $115 for tolerance cure was applied towards added Title Notary fee. 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. | 12/30/2025 Client provided a collaborate comment: Lender credit provided on the final cd signed at closing does not require a coc. Condition remains. Total tolerance is for $215.00. Document prep fees totaling $100.00 and Notary fee of $115.00. The Lender credit cure of $115.00 listed has been applied to the Notary fee. Provide a valid reason COC for the addition of the Document prep fee on the final CD or PCCD with an additional $100.00 cure, copy of the cure check, LOE to Borrower and evidence of delivery via tracking. 01/09/2026 Client provided PCCD 1/9 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 17 years and 10 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 755 is 35 points above program guideline minimum of 720.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 305058784 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 credit score exceeds the 660 minimum guideline requirement by 65 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 44% CLTV is 41% below the maximum guideline requirement of 85%. |
| 305058783 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 742 is above the minimum of 740<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 67.57%; guidelines allow 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.49%; guidelines allow 45% |
| 305089619 | XXXXXX | XXXXXX | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC3274 | Mortgage/Deed in file is incomplete | No | Provide a complete copy of executed Mortgage including all riders, and notary. (Missing page 1 of 21). | 4.2.2026 Client provided executed copy of subject Mortgage with all applicable pages and Rider | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property for 26 years..<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has > 11 years at current job. |
| 305089619 | XXXXXX | XXXXXX | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | Credit | Legal Documents | Satisfied D A | CRDLGL2864 | Copy of Mortgage/Deed in file is incomplete | No | Copy of Mortgage/Deed missing page 1 | 4.2.2026 Client provided executed copy of subject Mortgage with all applicable pages and Rider | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property for 26 years..<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has > 11 years at current job. |
| 305085572 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 59% |
| 305085571 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP1297 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | No | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | 03/16/2026 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 02/04. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.45% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 755 is 55 points above program guideline minimum of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 34 years and 2 months |
| 305085571 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP1309 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | No | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | 03/16/2026 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 02/04. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.45% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 755 is 55 points above program guideline minimum of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 34 years and 2 months |
| 305058782 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 24 yrs time in profession |
| 305085570 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 30% |
| 305058781 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 36.12 is less than the max of 85.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 11.99 is less than the max of 45. |
| 305058780 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence >21 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 78.90% below guideline requirements 90.00% |
| 305058779 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4yrs time residence |
| 305089618 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.41% DTI is below program max of 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6 years and 7 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 FICO exceeds program min by > 20 points |
| 305089617 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 6 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years. |
| 305058777 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 29%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 47% |
| 305058776 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | LTV/CLTV | Waived B | CRDLTV5738 | CLTV Exceeds Guideline Requirement by less than 5% | No | Client provided prior to closing AVM dated 12.30.2025 with value of $415,975 which makes CLTV of 80.71% (exceeding guidelines maximum of 80%), CLTV 80.71% exceed guidelines maximum of 80% using prior to closing AVM value of $415,975 | 1.29.2026 Client provided exception approval to allow for 80.71% which exceed guidelines maximum of 80.00% | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.78 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 FICO exceeds guideline of 700. |
| 305058776 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | AVM in file shows a property address of XXXXXX which is different from the subject property address of XXXXXX | 1.22.2026 Client provided post close dated (1.21.2026) AVM for subject with value of XXXXXX and Note date XXXXXX; condition remains for prior to closing AVM to be used for LTV/CLTV calculation. Condition remains 1.29.2026 Client provided AVM dated 12.30.2025 with value of XXXXXX which makes CLTV of 80.71% (exceeding guidelines maximum of 80%) and provided updated 1008 using this prior to closing AVM value, separate condition on file for CLTV exceeding guidelines with using prior to closing AVM value of $XXXXXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.78 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 FICO exceeds guideline of 700. |
| 305085569 | XXXXXX | XXXXXX | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 36 yrs time at current residence. |
| 305089616 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x49<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9yrs time at current residence |
| 305058775 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | 1.24% DTI variance, current DTI is 51.24%, max DTI per guidelines is 50%. DTI is over due to exclusion of $487.00 monthly payment. | 1.13.2026 Client provided evidence (12 months) Toyota auto paid by other, updated DTI 40.58% | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 56.74% max per guidelines is 80%. |
| 305085568 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 728 max per guidelines is 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 21 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 45.47% max per guidelines is 75%. |
| 305085567 | XXXXXX | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 21 years at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 62.69% below guideline requirements 80.00% |
| 305085566 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 yrs time at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x39. |
| 305058774 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16yrs time at current residence |
| 305058773 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 26yrs time at current job |
| 305058772 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5354 | Flood Expiration date is prior than the transaction date | No | Obtain a new Flood Insurance Policy Document | 1.26.2026 Client provided updated flood insurance policy from 12.27.2025 - 2026 | Condition satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 22.64% below guideline requirements of 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 46.46% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 17 years |
| 305089615 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 672 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.79 DTI below guideline of 45. |
| 305058771 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 70.77% max per guidelines is 85%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 27 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 16 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.46% max per guidelines is 45%. |
| 305058770 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | (No Data) |
| 305058770 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | (No Data) |
| 305085565 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x57 mo<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15yrs time profession |
| 305085564 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing title report | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 yrs time in profession<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 23 mortgage payment history 0x23 months |
| 305058769 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC3274 | Mortgage/Deed in file is incomplete | No | missing pages 20 and 21 of mortgageMortgage/Deed in file is incomplete | 1.12.2026 Client provided executed copy of subject Security Deed of Trust | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 766 is above the minimum of 760<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.56%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 42.11%; guidelines allow 45% |
| 305058769 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | missing page 21 of mortgage that shows notary signature | 1.12.2026 Client provided executed copy of subject Security Deed of Trust | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 766 is above the minimum of 760<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.56%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 42.11%; guidelines allow 45% |
| 305058769 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Legal Documents | Satisfied D A | CRDLGL2864 | Copy of Mortgage/Deed in file is incomplete | No | missing pages 20 and 21 of the mortgage | 1.12.2026 Client provided executed copy of subject Security Deed of Trust | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 766 is above the minimum of 760<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.56%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 42.11%; guidelines allow 45% |
| 305058768 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 37.90%; guidelines allow 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 49.40%; guidelines allow 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 731 is above the minimum of 720 |
| 305085563 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/24/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 02/20. Mail rule applies, making the earliest closing date 02/27. Actual closing date 03/13. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 30 years and 7 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years and 1 month<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.93% LTV below guideline requirements of 80.00% per program. |
| 305089614 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 43.72% below guideline requirements of 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 10 years |
| 305089613 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.85 DTI below guideline of 45. |
| 305085562 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 qualifying score; 660 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 49.518% CLTV; 85% max allowed. |
| 305085561 | XXXXXX | XXXXXX | XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years and 5 months at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years and 5 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.94% DTI is below program max of 45% |
| 305089612 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 30 years at current residence |
| 305085560 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 23 yrs time in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13yrs time at current residence |
| 305058767 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30yrs time at current residence |
| 305085559 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/16/2026 Client provided Disclosure History reflecting Initial CD was also sent to Non-Borrower via USPS 02/20. Mail rule applies, making the earliest closing date 02/27. Actual closing date 03/02. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 25mos positive mortgage payment history<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4yrs time at current residence |
| 305058766 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 10 years in current profession |
| 305085558 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 6 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job > 28 years. |
| 305089611 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79.68% max per guidelines is 85%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 last 37 months payment paid on time. |
| 305089610 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 5 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.05% LTV below guideline requirements of 75.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 7 years and 9 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.39% DTI is below guideline requirement of 45.00%. |
| 305058765 | XXXXXX | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have minimal use of revolving credit. |
| 305089609 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 33 years and 7 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 2 months |
| 305058764 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 27 years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 19% |
| 305089608 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 last 26 months payment paid on time.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60.49% max per guidelines is 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 9 years. |
| 305058763 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.80%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 69.63%; guidelines allow 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 708 is above the minimum of 700 |
| 305058762 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.57 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 687 FICO exceeds guideline of 660. |
| 305089607 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x 30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 21 years. |
| 305058761 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 17yrs time in profession |
| 305058760 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Been attorney for 20 years.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by $1,547 per month. |
| 305089606 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Primary Borrower has been in the same line of work for 6 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Both borrowers have been at current residence for 13+ years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage Payment history 0 X 30 over 67 months |
| 305085557 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: positive mortgage payment history 0x30 for 62 months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 9yrs time in profession |
| 305058759 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 28 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 FICO exceeds guideline of 700. |
| 305058758 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 18 years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 54% |
| 305058757 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 55.45%; guidelines allow 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 761 is above the minimum of 760<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.49%; guidelines allow 45% |
| 305058756 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 7 years and 1 month<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 11 years and 1 month |
| 305089605 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.97% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 766 is 106 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.31% DTI is below guideline requirement of 45.00%. |
| 305058755 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.04 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 47.42 is less than the max of 80. |
| 305058754 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 34% |
| 305085556 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 7 years. |
| 305085555 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.14% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 21 years and 4 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 43.56% LTV below guideline requirements of 90.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 24 years and 3 months |
| 305058753 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Compliance | Right of Rescission | Satisfied D A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Right of Rescission form is Incomplete, was not executed by the Borrower at closing. | 02/11/2026 Client provided the missing H8 ROR for, signed on 1/23 with expiration date of midnight on 1/27. Also provided the Funding CD with Disbursement date matching the Final Alta/Settlement Statement provided. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 6 years and 9 months |
| 305085554 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.31 is less than the max of 50.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65.52 is less than the max of 85. |
| 305089604 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.63% LTV below guideline requirements of 75.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 14 years and 2 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years and 5 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.77% DTI is below guideline requirement of 45.00%. |
| 305058752 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance $100 due to increase in title exam without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 01/15/2026 Client provided PCCD 1/15 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.89 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 53.28 is less than the max of 90. |
| 305089603 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 4 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 4 years. |
| 305058751 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.58% DTI is below guideline requirement of 45.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 8 years and 2 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.81% LTV below guideline requirements of 90.00% per program. |
| 305058750 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 FICO exceeds guideline of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x48 mortgage payment history exceeds guideline of 0x30x12. |
| 305089602 | XXXXXX | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Employed since 10/25/2016.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57.59 is less than the max of 75. |
| 305085553 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.42% is less than the max of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 83.52% is less than the max of 90%. |
| 305058749 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A B D C | D | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing Home Mortgage Information Document. | 01/19/2026 Client provided missing OH CSPA Acknowledgement of receipt of Home Mortgage Loan Informational Document disclosure dated 12/02. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.12 DTI below guideline of 45. |
| 305058749 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A B D C | D | A B | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation for debt with XXXXXX $197.00 monthly payment and $355.00 balance disclosed on the application. This debt is not on the credit report. | 1/23 Client provided evidence 0 balance | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.12 DTI below guideline of 45. |
| 305058749 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A B D C | D | A B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR173 | Comp Photos Unacceptable | No | Missing photos of comps 1 and 2. | 1.20.2026 Client provided updated appraisal with comparable photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.12 DTI below guideline of 45. |
| 305058748 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 46.85 is less than the max of 90.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 21.02 is less than the max of 45. |
| 305058747 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 58% |
| 305058746 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 34.69 is less than the max of 75.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 10 years. |
| 305058745 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.34% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.90% LTV below guideline requirements of 85.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 14 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 739 is 79 points above program guideline minimum of 660. |
| 305058744 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $367.68 monthly taxes for the subject property. Taxes are not escrowed. | 1.28.2026 Client provided copy of subject tax bill and Lender Insight for monthly taxes | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 FICO exceeds guideline of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21 years at current residence. |
| 305089601 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 66.54% below guideline requirements of 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 4.92 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 94 months exceeds guidelines of 12 months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 18 years |
| 305085552 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.77 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75.66 is less than the max of 90. |
| 305058743 | XXXXXX | XXXXXX | XXXXXX | AR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2302 | Missing Required Income Documentation | No | income documentation used to qualify not provided | 1.27.2026 Client provided Written VOE dated 12.3.2025 covering YTD 2025 and prior two years earnings, income used for qualifying supported. | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has no mortgage lates in the last 2 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 806 is above the minimum of 760<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 39.81%; guidelines allow 90% |
| 305089600 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Employed since 1/2/1997.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 17+ years. |
| 305085551 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.48% DTI is below guideline requirement of 45.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 25 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 2 months |
| 305085550 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.02% max per guidelines is 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 10 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 13 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.08% max per guidelines is 45%. |
| 305085549 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 31 years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305058742 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 last 50 months payment paid on time.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.89% max per guidelines is 80%. |
| 305085548 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 14 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 699 > is above guideline minimum credit score 680. |
| 305058741 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058740 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 723 is 43 points above program guideline minimum of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.28% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48.96% LTV below guideline requirements of 80.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 21 years and 6 months |
| 305058739 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 79.94%; guidelines allow 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 788 is above the minimum of 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.72%; guidelines allow 50% |
| 305058739 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 79.94%; guidelines allow 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 788 is above the minimum of 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.72%; guidelines allow 50% |
| 305058738 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.37 is less than the max of 75. |
| 305058737 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 61.90%; guidelines allow 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.32%; guidelines allow 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 716 is above the minimum of 700 |
| 305058737 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 61.90%; guidelines allow 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.32%; guidelines allow 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 716 is above the minimum of 700 |
| 305089599 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 28yrs time in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23yra time at current residence |
| 305089598 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | A | A D C | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing Mortgage | No | Missing the executed Mortgage from consummation. | 4.2.2026 Client provided executed subject Mortgage | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.28% is less than the max of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.65% is less than the max of 90%. |
| 305089598 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | A | A D C | A | A D | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated 03/09/2026 was not provided to the borrower within 3 days of the application date of 03/01/2026. | 04/03/2026 Client provided missing List of homeowners counseling organizations dated 03/04. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.28% is less than the max of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.65% is less than the max of 90%. |
| 305089598 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | A | A D C | A | A D | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP4384 | MI Home Loan - Michigan Home Loan Toolkit is not timely | No | Michigan Home Loan Toolkit dated 03/09/2026 was not provided to the borrower within 3 days of the application date of 03/01/2026. | 04/03/2026 Client provided Initial Disclosures including Toolkit was included 3/4. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.28% is less than the max of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.65% is less than the max of 90%. |
| 305089598 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | A | A D C | A | A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | LE 03/09/2026 was not provided to the borrower within 3 days of the application date of 03/01/2026. | 04/03/2026 Client provided Initial Disclosures including LE 3/4. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.28% is less than the max of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.65% is less than the max of 90%. |
| 305089598 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | A | A D C | A | A D | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Missing the executed Mortgage from consummation; unable to determine if matches Title. | 4.2.2026 Client provided executed subject Mortgage | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.28% is less than the max of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.65% is less than the max of 90%. |
| 305085547 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective date of 4/2/2026 is greater than the transaction date of 3/16/2026. | 3.25.2026 Client provided prior subject HOI policy effective 4.2.2025 - 2026 and file having 2026 - 2027 | Condition satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.09 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 FICO exceeds guideline of 660. |
| 305058736 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 766 is above the minimum of 760<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.69%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 48.77%; guidelines allow 90% |
| 305085546 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 724 is 24 points above program guideline minimum of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years and 2 months |
| 305085545 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x57mo<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 18yrs time in profession |
| 305085544 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 29 years and 1 month<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 31.77% LTV below guideline requirements of 80.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.80% DTI is below guideline requirement of 45.00%. |
| 305089597 | XXXXXX | XXXXXX | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 8 years and 5 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.68% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 21 years and 7 months |
| 305058735 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing explanation for the XXXXXX deduction on the borrowers paystub. | 1.22.2026 Client provided LOX from borrower regarding XXXXXX deduction on paystub, borrower in sales and the deduction is what borrower pay to customers when they refer a customer to me. | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.31 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 FICO exceeds guideline of 700. |
| 305058734 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score797 is above the minimum of 760<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 69.34%; guidelines allow 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.93%; guidelines allow 45% |
| 305089596 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 28 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 781 max per guidelines is 760.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 22.72.% max per guidelines is 90%. |
| 305089595 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.39 is less than the max of 50.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 56.00 is less than the max of 90. |
| 305058733 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 31yrs time at current job |
| 305058732 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5738 | CLTV Exceeds Guideline Requirement by less than 5% | No | Single Loan Exception - 85% with fico of 721 | 1.20.2026 Client provided exception approval for CLTV of 85% with fico score of 721; per guidelines max LTV for this transaction is 80% with fico score of 721. Exception approval provided by Client to allow for CLTV of 81.17% with fico score of 721 which exceed guidelines maximum of 80.00% with fico score of 721 | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 20yrs time in profession |
| 305085543 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 22 years and 10 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.71% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 40.56% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 781 is 121 points above program guideline minimum of 660. |
| 305058731 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25yrs time at current residence |
| 305058730 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57.03 is less than the max of 90<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25.95 is less than the max of 45. |
| 305058729 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305085542 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 12yrs time in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10yrs time at current residence |
| 305058728 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 673 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.40 DTI below guideline of 45. |
| 305058727 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 65%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 34% |
| 305085541 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.56 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 46.30 is less than the max of 90. |
| 305058726 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.71% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower has been employed for 15 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 5 years. |
| 305085540 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.48 DTI below guideline of 45. |
| 305058725 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.58% DTI is below guideline requirement of 45.00%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 54.66% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 720 is 60 points above program guideline minimum of 660. |
| 305058724 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 27.66% max per guidelines is 80%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 13 years. |
| 305058724 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 27.66% max per guidelines is 80%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 13 years. |
| 305058723 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48.46% LTV below guideline requirements of 75.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.85% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 12 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 6 years and 2 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30for 60+ months |
| 305058722 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 71%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years on current job |
| 305058721 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13yrs time at current residence |
| 305089594 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.43 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 FICO exceeds guideline of 660. |
| 305089594 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.43 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 FICO exceeds guideline of 660. |
| 305085539 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.83% LTV below guideline requirements of 75.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.93% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 12 years and 10 months |
| 305058720 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% CLTV is 15% below the maximum guideline requirement of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 717 credit score exceeds the 660 minimum guideline requirement by 57 points. |
| 305058719 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.37 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 FICO exceeds guideline of 660. |
| 305085538 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26yrs time at current residence<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x26mo |
| 305089593 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6yrs time at current residence<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x93months |
| 305085537 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 62.06% guideline is 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 35.63 guideline is 45% |
| 305058718 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.92% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.17% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 783 is 123 points above program guideline minimum of 660. |
| 305058717 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing updated VVOE dated with 10 days of closing. VVOE dated 1.07.26, loan closed on 01.31.25 | 2.12.2026 Client provided VVOE dated 1.26.2026 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 732 max per guidelines is 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 19 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.30% max per guidelines is 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 9 years. |
| 305058716 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51% CLTV is 29% below the maximum guideline requirement of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 credit score exceeds the 660 minimum guideline requirement by 54 points. |
| 305058715 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing income docs supporting income. | 1.27.2026 Client provided YTD 11.30.2025 paystub supporting monthly income of $7,232; condition remains, still missing 2024/2023 w2's (lender income worksheet have a breakdown of w2 income used for variable income), provide 2024/2023 w2's 1.28.2026 Client provided 2024/2023 w2's | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 49.75% max per guidelines is 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 21 years. |
| 305089592 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >25 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.53% below guideline requirement 45.00%. |
| 305058714 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.80% LTV below guideline requirements of 80% per program.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 305058713 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.10% below guideline requirement of 45%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 88 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 34.91% below guideline requirements of 75%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 5.75 years |
| 305058712 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 59%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 34% |
| 305058711 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 18 years and 10 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 305058710 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation for the XXXXXX deduction on the borrowers paystub. A monthly payment needs to be included in the debts. | 1/23 Client provided evidence of IRS payoff, appears to be a different obligation than the paystubXXXXXX; condition remains 2.4.2026 Client provided LOX stating, paystub no longer shows levy since we paid the IRS lien with the loan. Please see attached paystub. Response, appears it was a payroll deduction however since paid off on subject CD, no longer reflecting with a current amount due to now being paid off, other documentation provided to further support. | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.19 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 FICO exceeds guideline of 660. |
| 305058709 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.99 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.98 is less than the max of 85. |
| 305085536 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.65 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 FICO exceeds guideline of 660. |
| 305085535 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 62 month mortgage payment history exceeds the 12 month minimum guideline requirement by 50 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 credit score exceeds the 680 minimum guideline requirement by 24 pointsl. |
| 305058708 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.44% DTI is below program max of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 14 years and 11 months at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 FICO exceeds program min by > 20 points<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence. |
| 305058707 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 49.26%; guidelines allow 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 58.78%; guidelines allow 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score of 757 is above the minimum of 720 |
| 305058706 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 774 > is above guideline minimum credit score 760. |
| 305058705 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 34 yrs time at current residence. |
| 305089591 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 35%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 11 years at current residence. |
| 305089590 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.60% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 785 is 85 points above program guideline minimum of 700.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 14 years and 10 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 14.62% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 1 month |
| 305058704 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years and 4 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 FICO exceeds program min by > 20 points<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 26% revolving credit utilization. |
| 305085534 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.38 DTI below guideline of 45. |
| 305085533 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing Mortgage | No | The Mortgage is missing in the file. | 03/16/2026 Client provided the fully executed Mortgage including signature and Notary pages dated | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence >6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 52.90% below guideline requirements 90.00%. |
| 305085532 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP1297 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | No | Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan). | 03/24/2026 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 02/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 32%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 49%. |
| 305085532 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP1309 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | No | Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost). | 03/24/2026 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 02/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 32%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 49%. |
| 305058703 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 8 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.75% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.21% max per guidelines is 85%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 9 years. |
| 305058702 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 33 years on current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 41% |
| 305058701 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.39 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 62.01 is less than the max of 85. |
| 305058700 | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 41% CLTV is 39% below the maximum guideline requirement of 80%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for over 39 years. |
| 305058699 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 27 years and 8 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 787 is 67 points above program guideline minimum of 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 24.15% LTV below guideline requirements of 80.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 29 years and 7 months |
| 305058698 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305085531 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25yrs time at current residence |
| 305058697 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 19yrs time in the same profession |
| 305085530 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Compliance Manual | Satisfied D B | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/23/2026 Client provided collaborate comment: Unable to provide documentation for Non-borrowing spouse received CD 3 days prior. Please satisfy with final grade B. | Condition Satisfied, 2B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 47.68% max per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 784 max per guidelines is 760.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 13 years. |
| 305089589 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 38 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 8 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.80% max per guidelines is 45%. |
| 305089588 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 58.21% below guideline requirements 80.00%. |
| 305058696 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 20 years on current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 24% |
| 305058695 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.14 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 FICO exceeds guideline of 700. |
| 305085529 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 769 is 109 points above program guideline minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.71% LTV below guideline requirements of 90.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.61% DTI is below guideline requirement of 45.00%. |
| 305058694 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 yrs time at current residence |
| 305058693 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 35yrs time at current residence |
| 305085528 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document is missing. | 03/24/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 02/23. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6.5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 55.19% below guideline requirements of 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 9.17 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 85 months exceeds guidelines of 12 months |
| 305085527 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64.71% below guideline requirements 75.00%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >7 years at current job |
| 305058692 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Missing executed Note. | 1.20.2026 Client provided executed subject Note | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.55 is less than the max of 50.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57.01 is less than the max of 90. |
| 305085526 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation. | No | Ten percent tolerance $70.80 Recording fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | 03/25/2026 Client provided PCCD 03/24 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.87% below guideline requirement 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence > 7 years. |
| 305058691 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 15yrs time in profession |
| 305085525 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x56mo<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8yrs time at current residence |
| 305085524 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 68.69% max per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.01% max per guidelines is 45%. |
| 305085523 | XXXXXX | XXXXXX | XXXXXX | LA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 12yrs time in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7yrs time at current residence |
| 305058690 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 last 38 months payment paid on time.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 46.48% max per guidelines is 80%. |
| 305058689 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 54.10% LTV below guideline requirements of 75.00% per program.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years and 3 months |
| 305058688 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 78.04% max per guidelines is 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 6 years. |
| 305089587 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 12 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years. |
| 305089586 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 38%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 5 years on current job |
| 305058687 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | 2/11/26 client provided an approved exception for missing T.42 Title endorsement | (No Data) | Initial and final grade B | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 16 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 68.29i% max per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.60% max per guidelines is 45%. |
| 305058687 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | 2/11/26 client provided an approved exception for missing T.42 Title endorsement | (No Data) | Initial and final grade B | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 16 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 68.29i% max per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.60% max per guidelines is 45%. |
| 305058686 | XXXXXX | XXXXXX | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 18 yrs time at job. |
| 305058685 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 4year time profession |
| 305058685 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 4year time profession |
| 305085522 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 6 years at current job.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0X30 mortgage payment history for 39 months exceeds guide lines of 24 months. |
| 305058684 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 26 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65.23 is less than the max of 85. |
| 305058683 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing Mortgage | No | Provide copy of mortgage | 01/20/2026 Client provided fully executed Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 84 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 47.85% below guideline requirements of 75% |
| 305085521 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has> 14 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 6 years. |
| 305058682 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.85 DTI below guideline of 45. |
| 305085520 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 50.61% below guideline requirements 90.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence > 22 years. |
| 305085519 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document is missing. | 03/19/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 02/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 29 years and 10 months at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.90% DTI is below program max of 45%. |
| 305058681 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 67%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 27% |
| 305058680 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | 01/15/2026 Client provided disclosures dated 12/09 including the missing List of homeowners counseling organizations. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.43%; guidelines allow 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 762 is above the minimum of 760<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 71.62%; guidelines allow 90% |
| 305058680 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken 12/04/2025, the initial LE was not issued until 12/11/2025. Greater than the required 3 days | 01/15/2026 Client provided disclosures dated 12/09 including the missing Initial LE 12/09. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.43%; guidelines allow 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 762 is above the minimum of 760<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 71.62%; guidelines allow 90% |
| 305089585 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.38% is less than the max of 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.68% is less than the max of 45%. |
| 305058679 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 35%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 59% |
| 305085518 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated 02/17/2026 was not provided to borrower within 3 days of the application date of 02/08/2026. | 03/24/2026 Client provided missing List of homeowners counseling organizations dated 02/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 31%. |
| 305085518 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | LE dated 02/17/2026 was not provided to borrower within 3 days of the application date of 02/08/2026. | 03/24/2026 Client provided the missing Initial LE 2/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 31%. |
| 305085517 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/27/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 03/06. Mail rule applies, making the earliest closing date 03/13. Actual closing date 03/18. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 18 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 25 years and 2 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.96% LTV below guideline requirements of 75.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.82% DTI is below guideline requirement of 45.00%. |
| 305058678 | XXXXXX | XXXXXX | XXXXXX | AK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.64% DTI below guideline of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 FICO exceeds guideline of 660. |
| 305085516 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6 years and 1 month at current residence.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 6% revolving credit utilization.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.53% DTI is below program max of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 FICO exceeds program min by > 20 points |
| 305089584 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.31% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 48.71% max per guidelines is 70%. |
| 305058677 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13yrs time at current residence |
| 305058676 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 745 is above the minimum of 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 74.10%; guidelines allow 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 49.80%; guidelines allow 50% |
| 305058675 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 41%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 24 years at current residence |
| 305085515 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/23/2026 Client provided Disclosure History reflecting Initial CD was also sent to both via USPS 02/19. Mail rule applies, making the earliest closing date 02/26. Actual closing date 03/09. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.46 DTI below guideline of 45. |
| 305058674 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.83%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 57.50%; guidelines allow 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 730 is above the minimum of 720 |
| 305058673 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 41%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 26 years on current job |
| 305085514 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x55 exceeds mortgage history guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 771 > is above guideline minimum credit score 760. |
| 305058672 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Disbursement date is 1/9/26 on Final CD dated 1/5/26. The ROR disclosed "midnight of" date of 1/8/26 per the ROR in file | 01/30/2026 Client provided re-opened rescission for both delivered on 1/22, expiration dated midnight of 1/28. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.43% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 59.87% max per guidelines is 85%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 11 years. |
| 305058672 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date is 1/9/26 on Final CD dated 1/5/26. The ROR disclosed "midnight of" date of 1/8/26 per the ROR in file | 01/30/2026 Client provided re-opened rescission for both delivered on 1/22, expiration dated midnight of 1/28. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.43% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 59.87% max per guidelines is 85%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 11 years. |
| 305089583 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 73.76% below guideline requirements 85.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 11 years. |
| 305085513 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Missing evidence supporting taxes at $615.62 and HOI policy in file unable to read premium ($121.81) | 3/22 Client provided Ins Bill supporting HOI of $121.81 | SAtisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57.63% max per guidelines is 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 10 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 17 years. |
| 305058671 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 72.95 is less than the max of 90.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.44 is less than the max of 50. |
| 304435747 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been in current residence for 21.1 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max allowed LTV/CLTV is 80% and the borrowers CLTV is 64.859. |
| 305085512 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20yrs time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 20yrs time in profession |
| 305085511 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 48.23 DTI below guideline of 50.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 FICO exceeds guideline of 720. |
| 305058670 | XXXXXX | XXXXXX | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.21% DTI is below guideline requirement of 45.00%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 305085510 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 49.00%below guideline requirements 90.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence > 26 years. |
| 305089582 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80.66% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 775 is 35 points above program guideline minimum of 740.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 1 month.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.11% DTI is below guideline requirement of 45.00%. |
| 305058669 | XXXXXX | XXXXXX | XXXXXX | LA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 17 years and 4 months at current job.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 23% revolving credit utilization.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 FICO exceeds program min by > 20 points |
| 305089581 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 23 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history 0 X 30 over 61 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years. |
| 305058668 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.12 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 FICO exceeds guideline of 700. |
| 305089580 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.26% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 49.29% LTV below guideline requirements of 75.00% per program. |
| 305058667 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.94 is less than the max of 80<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned residence 20+ years |
| 305058666 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10yrs time at current residence |
| 305089579 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $345.58 monthly taxes for the subject property. Taxes are not escrowed. | 3.31.2026 Client provided evidence of subject monthly taxes | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.50 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 FICO exceeds guideline of 660. |
| 305058665 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 24 years and 8 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 737 is 77 points above program guideline minimum of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 11 years and 3 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 39.62% LTV below guideline requirements of 80.00% per program. |
| 305085509 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 18 years and 10 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 6 years and 1 month |
| 305058664 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 02/09/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 01/13. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 20 years in current profession<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has positive mortgage payment history |
| 305058663 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated 10/17/25 not provided w/in 3 days of application | 01/16/2026 Client provided missing List of homeowners counseling organizations dated 10/08. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 66%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |
| 305058662 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 35%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 20 years at current residence |
| 305058661 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 761 is 101 points above program guideline minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.41% LTV below guideline requirements of 90.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 22 years and 11 months |
| 305085508 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 34%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 51% |
| 305058660 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 8yrs time in profession |
| 305085507 | XXXXXX | XXXXXX | XXXXXX | SD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 58% |
| 305058659 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6 years and 4 months at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years and 1 month at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 696 FICO exceeds program min by > 20 points |
| 305085506 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 yrs time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 yrs time at current residence. |
| 305089578 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history 0 X 30 over 37 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 11 years. |
| 305058658 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 23+ years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 56.29 is less than the max of 90. |
| 305058657 | XXXXXX | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.68% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 35.69% LTV below guideline requirements of 90.00% per program. |
| 305085505 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing Ack. of receipt of Home Mtg. Info. Document. | 03/25/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 02/02. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.26 is less than the max of 75.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Employed since 4/5/2005. |
| 305089577 | XXXXXX | XXXXXX | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV 65%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years on current job |
| 305085504 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 29 years and 6 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.30% LTV below guideline requirements of 90.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.11% DTI is below guideline requirement of 45.00%. |
| 305085503 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 72.30% below guideline requirements 85.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 5 years. |
| 305089576 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 38 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.83% CLTV below guideline requirements of 80% per program. |
| 305058655 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 yrs time in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12yrs time at current residence |
| 305085502 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 14 years and 2 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 789 is 129 points above program guideline minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.82% LTV below guideline requirements of 90.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 14 years and 2 months |
| 305058654 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.57% max per guidelines is 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 24 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 32 years. |
| 305058653 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 38.63% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 764 is 104 points above program guideline minimum of 660. |
| 305085501 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 62.42% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 56 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8.8 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 8 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 11 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 38.47% below guideline requirement of 45% |
| 305085500 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.14 DTI below guideline of 45. |
| 305058652 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Texas Equity : Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.05 is less than the max of 45.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Current job since 11/21/2005. |
| 305058652 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Texas Equity : Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.05 is less than the max of 45.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Current job since 11/21/2005. |
| 305058652 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance $600 due to increase in 2nd appraisal on LE 10/20/25 which COC in file reflects courtesy re-disclosure for fee change. Need a valid CoC for fee. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 01/14/2026 Client provided PCCD 1/14 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.05 is less than the max of 45.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Current job since 11/21/2005. |
| 305089575 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 44.82% LTV below guideline requirements of 80.00% per program.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 755 is 55 points above program guideline minimum of 700. |
| 305089574 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 56.28% below guideline requirements 75.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 8 years. |
| 305058651 | XXXXXX | XXXXXX | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by $1,929 a month<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.76 is less than the max of 75. |
| 305058650 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned home 19+ years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since origination in 3/2022. |
| 305058650 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned home 19+ years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since origination in 3/2022. |
| 305058650 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Credit | LTV/CLTV | Waived B | CRDLTV5738 | CLTV Exceeds Guideline Requirement by less than 5% | No | Based on guidelines score max CLTV is 75% currently 79%. | 2.6.2026 Client provided exception approval for CLTV of 79.44% exceed guidelines maximum of 75.00% with fico score of 696 | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned home 19+ years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since origination in 3/2022. |
| 305058649 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 21 year at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 73%. |
| 305058648 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 14yrs time in profession |
| 305089573 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25.96 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 41.38 is less than the max of 80. |
| 305085499 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing verbal verification of employment for borrower | 3/18/2026 client oploaded VVOEs | Condition satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.90% max per guidelines is 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 26 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 23 years. |
| 305058647 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title vesting reads XXXXXX but Mortgage reads XXXXXX | 2.5.2026 Client provided email from Title company stating the search has the last recorded deed from 2021 that shows the vesting as XXXXXX being Single, since XXXXXX is now married, the new mortgage now reads; XXXXXX married who acquired title as single joined by his non-title spouse. NJ is a spousal state | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x55 mortgage payment history exceeds guideline of 0x30x12.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 FICO exceeds guideline of 700. |
| 305058646 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.24 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 FICO exceeds guideline of 660. |
| 305089572 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.88% DTI is below guideline requirement of 45.00%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.03% LTV below guideline requirements of 80.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 25 years and 7 months. |
| 305085498 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.82% DTI is below guideline requirement of 45.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 782 is 22 points above program guideline minimum of 760.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 305058645 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 12yrs time in profession |
| 305058645 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Texas Equity : Missing T.42.1 Title Endorsement | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 12yrs time in profession |
| 305058644 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 35 yrs time in profession. |
| 305085497 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5yrs time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 13yrs time in profession |
| 305058643 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20yrs time at current residence |
| 305089571 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 41 years in same line of work/profession.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 17% revolving credit utilization.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12.5 years current job time. |
| 305058642 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | 4 months gap with mortgage pays history | 2.3.2026 Client provided exception approval for 4 months gap with mortgage pay history | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 37 time in profession |
| 305085496 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 54.78% below guideline requirements 80.00%. |
| 305058641 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 15 years on current job<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305085495 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 20 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 34.17% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 799 is 139 points above program guideline minimum of 660. |
| 305058640 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Missing Page 4 of the Executed Note. | 1.29.2026 Client provided executed copy of subject Note | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 25yrs in the profession |
| 305058639 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Provide current HOI policy, one in file has expired. | 1.27.2026 Client provided HOI policy effective 4.2.2025 - 2026 | Condition satisfied | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reduction of outgo by $1,882 per month.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since origination in 2/2021. |
| 305058638 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 11/24/2025, the Housing Counselors List was not issued until 12/01/2025. Greater than the required 3 days. | 01/20/2026 Client provided missing List of homeowners counseling organizations dated 11/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 55.95% max per guidelines is 85%. |
| 305058638 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | initial application was taken 11/24/2025, the Initial LE was not issued until 12/01/2025. Greater than the required 3 days. | 01/20/2026 Client provided the missing Initial LE 11/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 55.95% max per guidelines is 85%. |
| 305058637 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22yrs time at current residence |
| 305085494 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.56 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 FICO exceeds guideline of 760. |
| 305058636 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 11 years and 4 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 808 is 48 points above program guideline minimum of 760. |
| 305085493 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document is missing. | 03/18/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 12/22. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57.06 is less than the max of 85.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.73 is less than the max of 50. |
| 305058635 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 29yrs time in profession |
| 305085492 | XXXXXX | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 FICO exceeds guideline of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x114 mortgage payment history exceeds guideline of 0x30x12. |
| 305058634 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 FICO exceeds program min by > 20 points<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.69% DTI is below program max of 45% |
| 305089570 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.64 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 29.81 is less than the max of 85. |
| 305058633 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.07 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 686 FICO exceeds guideline of 660. |
| 305058632 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.33% DTI is below guideline requirement of 45.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 20 years and 4 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 2 months |
| 305085491 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 33% |
| 305058631 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 15+ years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 36.14 is less than the max of 85. |
| 305089569 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.37 is less than the max of 50.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 73.57 is less than the max of 90. |
| 305058630 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 70%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence |
| 305058629 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 22 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 65.20% max per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 788 max per guidelines is 760.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.58% max per guidelines is 45%. |
| 305058628 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing documentation of a minimum 12-month housing payment history. Current mortgage was opened 03/2025 and is rated for 7 months with no other mortgages reporting on credit. | 1.21.2026 Client provided prior VOM (whom was with current Lender), VOM provided with loan #74690 is the prior mortgage payment history, not reflected on credit report however this VOM verification do match what the Fraud Guard reflect in file (pg 100), satisfactory payment history per VOM on prior mortgage, last payment March 2025 and current1st mtg on credit report is reporting as of March 2025. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.44 DTI below guideline of 45. |
| 305085490 | XXXXXX | XXXXXX | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.29% below guideline requirement 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 11 years. |
| 305085489 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >25 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 28 years. |
| 305085488 | XXXXXX | XXXXXX | XXXXXX | IA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing title report. | 3.25.2026 Client provided subject Title Property Summary Report | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 36 yrs time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 yrs time at current residence. |
| 305058627 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.63% max per guidelines is 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 26 years. |
| 305058626 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 22 years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 50% |
| 305085487 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 61.19% below guideline requirements 80.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 8 years. |
| 305085486 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 61%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 11 years at current residence |
| 305058625 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 6 years and 9 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.89% LTV below guideline requirements of 75.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 8 years and 9 months. |
| 305089568 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.22% below guideline requirement 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 60. 85% below guideline requirements 80.00%. |
| 305058624 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 yrs time at current home. |
| 305089567 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.28% is less than the max of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 47.78% is less than the max of 85%. |
| 305058623 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058622 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 67%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 26 years at current residence |
| 305089566 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.77% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 23.93% max per guidelines is 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 29 years. |
| 305089565 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 23.94% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.02% LTV below guideline requirements of 80.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 7 years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 305085485 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing LE:1/9/2026. | 03/25/2026 Client provided missing Initial LE 1/09. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.54% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.66% LTV below guideline requirements of 85.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 7 years and 1 month<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 48 years and 1 month |
| 305089564 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 57.72% max per guidelines is 85%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 19 years. |
| 305085484 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6 years at current residence |
| 305058621 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.09 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 FICO exceeds guideline of 660. |
| 305058620 | XXXXXX | XXXXXX | XXXXXX | OK | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Appraisal living room photos show a staircase with no handrails which is a possible safety issue. Appraiser did not comment. | 1.14.2026 Client provided updated appraisal with appraiser commenting on no safety issue and provided another photo of the living room area with handrail on wall. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.54 DTI below guideline of 45. |
| 305058619 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 20%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 68% |
| 305058618 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 756 > is above guideline minimum credit score 740.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 30 years. |
| 305058617 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 12 years and 9 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.62% DTI is below guideline requirement of 50.00%. |
| 305089563 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.11% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 18 years and 2 months |
| 305085483 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 01/06/2026, the Housing Counselors List was not issued until 02/02/2026. Greater than the required 3 days. | 03/18/2026 Client provided missing List of homeowners counseling organizations dated 01/09. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 15 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 34 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 65% below guideline requirements of 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 30 years |
| 305085483 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken 01/06/2026, the Initial LE was not issued until 01/13/2026. Greater than the required 3 days. | 03/18/2026 Client provided missing Initial LE 1/9. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 15 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 34 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 65% below guideline requirements of 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 30 years |
| 305058616 | XXXXXX | XXXXXX | XXXXXX | SD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15yrs time at current residence |
| 305058615 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.89%; guidelines allow 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 678 is above the minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 42.25%; guidelines allow 75%. |
| 305058614 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 51% |
| 305058613 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 683 is above the minimum of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.03%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 46.11% guidelines allow 75% |
| 305085482 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.48% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 801 is 141 points above program guideline minimum of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 5 years and 7 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 1 month<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.61% DTI is below guideline requirement of 45.00%. |
| 305085481 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 62.58 is less than the max of 75<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.73 is less than the max of 45. |
| 305085480 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 696 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.01 DTI below guideline of 45. |
| 305089562 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.66% CLTV below guideline requirements of 80% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 25 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 305058612 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by $1,529 per month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55.57 is less than the max of 80. |
| 305085479 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 7 years and 7 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 7 years and 11 months |
| 305085478 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.65 is less than the max of 90.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0X30 since origination in 11/2018. |
| 305058611 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 61 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 52.83% below guideline requirements of 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 24 years |
| 305085477 | XXXXXX | XXXXXX | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 8 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79.64% max per guidelines is 85%. |
| 305085475 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/19/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 02/12. Mail rule applies, making the earliest closing date 02/20. Actual closing date 03/07. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 38% |
| 305085475 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Texas Equity : Missing T.42 Title Endorsement in the file. | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 38% |
| 305085475 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Texas Equity : Missing T.42.1 Title Endorsement is missing in the file. | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 38% |
| 305085474 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have 30 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 35%. |
| 305085473 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305089561 | XXXXXX | XXXXXX | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 7 years and 1 month<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.29% DTI is below guideline requirement of 45.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 766 is 66 points above program guideline minimum of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 39.97% LTV below guideline requirements of 75.00% per program. |
| 305058610 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7 yrs time at current job. |
| 305058609 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 01/30/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 11/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 69.18%; guidelines allow 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 49.80%; guidelines allow 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 713 is above the minimum of 700 |
| 305058608 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24yrs time at current residence |
| 305085472 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing LE: 02/16/2026. | 03/24/2026 Client provided missing Initial CD 02/16. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10yrs time profession<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x57mo |
| 305058607 | XXXXXX | XXXXXX | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 5 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.29% DTI is below guideline requirement of 45.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 8 years and 1 month |
| 305085471 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 19.67% below guideline requirement 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 23.78% below guideline requirements 90.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years. |
| 305058606 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058605 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.94 DTI below guideline of 45. |
| 305058604 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that the XXXXXX HELOC has been closed to future draws. | 2.12.2026 Client provided executed by borrower requesting closure of HELOC w/XXXXXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.11 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 FICO exceeds guideline of 680. |
| 305085470 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation both borrower and non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/10/2026 Client provided Disclosure History reflecting Initial CD was also sent to Borrower via USPS on 2/19. Condition remains. Provide evidence of the Initial CD to Non-Borrower a minimum of 3 business days prior to closing. If unable to provide, the exception will be a satisfied 2B using the signed documents at closing.03/13/2026 Client provided Disclosure History reflecting Initial CD was also sent to both via USPS 02/19. Mail rule applies making the earliest closing date 02/26. Actual closing date 02/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.87 DTI below guideline of 45. |
| 305085469 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 16yrs time in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19yrs time at current residence |
| 305058603 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.95 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 FICO exceeds guideline of 660. |
| 305058602 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 63.67% is 11.33 points below the program guideline maximum 75%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 10 years. |
| 305058601 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document. | 01/13/2026 Client provided missing OH CSPA Acknowledgement of receipt of Home Mortgage Loan Informational Document disclosure dated 10/23. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.54% DTI below guideline of 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x58 mortgage payment history exceeds guideline of 0x30x12. |
| 305058600 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 30%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 63% |
| 305058599 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 FICO exceeds guideline of 700. |
| 305085468 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.41 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 73.44 is less than the max of 80. |
| 305085467 | XXXXXX | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 56.09% max per guidelines is 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 0x30 last 71 months payment paid on time. |
| 305058598 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10yrs time at current job |
| 305089560 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.43% max per guidelines is 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 23 years. |
| 305085466 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance $100 due to increase in Title Exam on CD 3/3/26 without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 03/19/2026 Client provided COC 2/26 reflecting liens were on title property report that required release and payoff resulting in examination fee added. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 46%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 14 years at current residence |
| 305089559 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations in file is date 02/17/2026. Not provided within 3 days of the 01/30/2026 application date. | 03/26/26 Client provided initial HOCL page but the actual list of 10 organizations is missing. Condition remains and is pending receiving full list provided to the borrower within 3 days of initial application. 03/30/26 Client provided the full HC List dated 2/4. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 17.45 is less than the max of 90.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 18.15 is less than the max of 45. |
| 305089559 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial LE in file is date 02/17/2026. Not provided within 3 days of the 01/30/2026 application date. | 03/26/26 Client provided initial LE 2/4/26. Disclosure was tested with no issues. Condition satisfied | 03/26/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 17.45 is less than the max of 90.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 18.15 is less than the max of 45. |
| 305058597 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 13 years and 11 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 44.60% LTV below guideline requirements of 80.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 30 years and 5 monrths |
| 305058596 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23yrs time at current residence |
| 305085465 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 yrs time at current residence. |
| 305058595 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.37% LTV below guideline requirements of 90.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.21% DTI is below guideline requirement of 45.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 776 is 116 points above program guideline minimum of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 21 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years and 2 months |
| 305058594 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has 2nd job not used to qualify<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 20 years on current job |
| 305058593 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Need evidence of change of circumstances letter for Zero tolerance, (Title Examination $150.00) increase, or a copy of a refund check in the amount of $150.00 | 02/12/2026 Client provided COC 1/16 reflecting Borrowers approval to update/address the solar panel lease resulting in Exam fee added. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 17 years on current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 61% |
| 305085464 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 46.82% max per guidelines is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 6 years. |
| 305058592 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.29% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 16 years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.34% LTV below guideline requirements of 75.00% per program. |
| 305058591 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 7 years and 9 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 721 is 61 points above program guideline minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.97% LTV below guideline requirements of 80.00% per program. |
| 305058590 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x60 exceeds mortgage history guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 10 years. |
| 305089558 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 52.95 is less than the max of 80.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.04 is less than the max of 45. |
| 305058589 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 25+ years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 24.23 is less than the max of 80. |
| 305058587 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.62% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 42.85% max per guidelines is 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 12 years. |
| 305085463 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 11 years at current job |
| 305058586 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | File contains a letter of explanation stating a new account was opened from the inquiry withXXXXXX on 9/12/25 however file is mssing terms and conditionsn ifor this new account. | 1.30.2026 Client provided LOX stating, The credit inquiry letter is incorrect. The loan we closed is the only XXXXXX loan taken out. The attached doc which has the cancelled loan from 9/2025 along with a snip of the credit report from 8/2025 reflecting the cancelled loan number to tie that report to the cancelled loan. No new loan. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 696 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.63 DTI below guideline of 45. |
| 305058585 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 credit score exceeds the 680 minimum guideline requirements by 75 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% CLTV is 25% below the maximum guideline requirements of 85%. |
| 305085462 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 13 years on current job<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has history of OT income not used to qualify |
| 305085461 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation Non Borrower (Birgit Posey) received an accurate CD 3 business days prior to closing. OneSpan Electronic Evidence provided dated 03/02/2026 was incomplete; missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/27/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 03/02. Mail rule applies, making the earliest closing date 03/08. Actual closing date 03/16. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positives mortgage payment history 0x24mo.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 yrs time at current residence. |
| 305058584 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/27/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 01/02. Mail rule applies making the earliest closing date 01/09. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 69.87%; guidelines allow 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 696 is above the minimum of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.81%; guidelines allow 45% |
| 305058583 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 27% |
| 305058582 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.50 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 FICO exceeds guideline of 660. |
| 305058581 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x54 mortgage payment history exceeds guideline of 0x30x12.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 FICO exceeds guideline of 700. |
| 305058580 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 27yrs time at current residence |
| 305058579 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | Right of Rescission | Satisfied C A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Final CD 12/1/25 - disbursement date on 12/17/25 , ROR form in file signed on 1/11/26 with end of recession on 1/14/26, condition pending receiving Post CD with updated disbursement date, LOX and proof of delivery to borrower | 02/09/2026 Client provided missing Final CD 1/11 e-signed on 1/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 740 is above the minimum of 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 62.44%; guidelines allow 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.12%; guidelines allow 45% |
| 305058578 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 25 years and 10 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 31.07% LTV below guideline requirements of 80.00% per program.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 7 years and 8 months |
| 305058577 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 55% |
| 305058576 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 63%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 11 years on the current job |
| 305058575 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 34% |
| 305085460 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 767 is 67 points above program guideline minimum of 700.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 35 years and 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 17.56% LTV below guideline requirements of 85.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years and 6 months. |
| 305058574 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero Tolerance Fee of $64.40 due to (% of Loan Amount [Point]) increased from LE $670 to CD $734.40. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower for $64.40. | 02/10/2026 Client provided PCCD 2/05 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 53%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 25 years at current residence |
| 305058573 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 14 years at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence >8 years. |
| 305085459 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 54.28% below guideline requirements 80.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 4 years. |
| 305085459 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 54.28% below guideline requirements 80.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 4 years. |
| 305058572 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 9 years and 6 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 10 years and 2 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.34% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years and 6 months |
| 305058571 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 45.25% max per guidelines is 75%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current job for 18 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 30 years. |
| 305058570 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 25yrs time in profession |
| 305085458 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.59% below guideline requirement 45.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >4 years at current job |
| 305058569 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305089557 | XXXXXX | XXXXXX | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.75 is less than the max of 80.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0X30 since origination in 1/2021. |
| 305058568 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 13 years on current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 27% |
| 305058567 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years on current job<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305089556 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.28% DTI below guideline of 45%. |
| 305085457 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.88% DTI is below guideline requirement of 45.00%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 305085456 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >17 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been >20 years at current residence |
| 305085455 | XXXXXX | XXXXXX | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 4% revolving credit utilization.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 25 years and 8 months at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 15.29% DTI is below program max of 45%. |
| 305085454 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.59% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 11 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 806 is 146 points above program guideline minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 34.30% LTV below guideline requirements of 90.00% per program. |
| 305085453 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 23 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 55.05% below guideline requirements 85.00% |
| 305058566 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.46 is less than the max of 50.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.85 is less than the max of 80. |
| 305085452 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing explanation for theXXXXXX deduction on the borrowers paystub. | 3.24.2026 Client provided updated 1003/1008 using monthly payment of $1,102 in updated DTI for this XXXXXX and provided end of year 2024/2025 paystubs and in 2024 payment was $453.23 bi weekly and in 2025 payment is $551.08 bi weekly, currently appears payment is $1,194.01 however not sure why bi weekly payments increased from 2024 to 2025 and file having YTD 2026 paystub supporting $551.08 bi weekly payments. In addition, Client updated 1003/1008 includes adding additional income (OT and Other) which is supported with the end of year 2025/2024 paystubs that was also provided, updated DTI 42.42% with adding the XXXXXX deduction of $1,194 and including additional income that was not used initially for qualifying (OT and Other income) | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.90 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 FICO exceeds guideline of 660. |
| 305089555 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 691 is 31 points above program guideline minimum of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.40% DTI is below guideline requirement of 45.00%. |
| 305058565 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.38% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 58.40% max per guidelines is 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 15 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 10 years. |
| 305058564 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 25 yrs time at current job |
| 305085451 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Borrower appears to have a new debt with XXXXXX with a monthly payment of $1,094.00 as disclosed on the 1003 but loan file is missing any statement or documents to support the debt. | 3/22 Client provided a credit supplement | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years and 1 month at current job.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 11% revolving credit utilization.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.08% DTI is below program max of 45%. |
| 305058563 | XXXXXX | XXXXXX | XXXXXX | AK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 6 years and 4 months |
| 305085450 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.64% LTV below guideline requirements of 90.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.56% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years and 11 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 769 is 109 points above program guideline minimum of 660. |
| 305058562 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 30yrs time in profession |
| 305058561 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50.59 is less than the max of 75.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.98 is less than the max of 45. |
| 305058560 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18yrs time at current residence |
| 305058559 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 22%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305085449 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation Non Borrower (Brooke Newell) received an accurate CD 3 business days prior to closing. OneSpan Electronic Evidence provided dated 02/18/2026 was incomplete; missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/13/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 02/18. Mail rule applies making the earliest closing date 028/25. Actual closing date 03/02. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) |
| 305085448 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation both borrower and non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/17/2026 Client provided Disclosure History reflecting Initial CD was also sent to Non-Borrower via USPS 02/20. Mail rule applies, making the earliest closing date 02/27. Actual closing date 03/04. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 6 years and 1 month<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years and 1 month<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 305058558 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 FICO exceeds program min by > 20 points.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.01% DTI is below program max by > 5%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years and 8 months at current residence<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 40 years and 10 months at current job<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 3% revolving credit utilization. |
| 305058557 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.11 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 692 FICO exceeds guideline of 660. |
| 305089554 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 2898% below guideline requirement 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 16.85% below guideline requirements 90.00%. |
| 305058556 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $559.87 monthly taxes for the subject property. Taxes are not escrowed. | 2.5.2026 Client provided copy of subject tax bill supporting monthly amount used | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.31 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 FICO exceeds guideline of 660. |
| 305058555 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 time at current residence |
| 305058553 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 32 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 791 is 31 points above program guideline minimum of 760.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 43.31% LTV below guideline requirements of 85.00% per program. |
| 305058552 | XXXXXX | XXXXXX | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 27 yrs time at current residence |
| 305085447 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 781 exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 35 years. |
| 305058551 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 73.40 is less than the max of 80.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by $1,956 a month. |
| 305085446 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Potential Misrepresentation | Satisfied C A | CRDPMR1811 | Potential misrepresentation of borrower's property ownership history | No | Missing explanation for the mailing address of XXXXXX showing on the homeowners insurance policy which is different from the subject property address. | 3/18/2026 client provided Divorce Decree reflecting ex-spouse is still listed on HOI policy as primary insured which reflected his address. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 684 FICO exceeds guideline of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x58 mortgage payment history exceeds guideline of 0x30x12. |
| 305085446 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL100 | Potential title issue | No | Property Report Summary is missing a judgment/lien search. | 3.13.2026 Client provided copy of Title Report Summary and appears if any judgment/liens would have been reflected as such. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 684 FICO exceeds guideline of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x58 mortgage payment history exceeds guideline of 0x30x12. |
| 305058550 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.41 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 FICO exceeds guideline of 700. |
| 305085445 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.95 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 683 FICO exceeds guideline of 660. |
| 305085444 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 20.62 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 FICO exceeds guideline of 660. |
| 305058549 | XXXXXX | XXXXXX | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 786 is 86 points above program guideline minimum of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.00% LTV below guideline requirements of 75.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years |
| 305089553 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 16.81 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 FICO exceeds guideline of 660. |
| 305058548 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 60yrs time at current residence |
| 305089552 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 8 years at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 10 years. |
| 305089551 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 39.46% below guideline requirements 80.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 22 years. |
| 305085443 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 19 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has>9 years at current job |
| 305058547 | XXXXXX | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | VOE in file for 2nd job of Naniq Global Logistics LLC has expiration date of 12/19/25. Need updated VOE for this employer. | 1.13.2026 Client provided LOX stating, We did not qualify the borrower with income from NANIQ. VOE is not required. Response, with review of 1008 and UW worksheet (in file) it does appears B1 income of $7,265 includes 1st ($5326) & 2nd ($1939) employment. Initial condition remains or provide updated 1008 with removal of 2nd employment income. 1.14.2026 Client provided Written VOE for 2nd employment/NANIQ dated 12.18.2025 (within 10 business days of Note) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 698 > is above guideline minimum credit score 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 41.62% is 33.38 points below the program guideline maximum 75%. |
| 305089550 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.28 DTI below guideline of 45. |
| 305058546 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.05 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 FICO exceeds guideline of 660. |
| 305089549 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 14 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 49.68% max per guidelines is 90%. |
| 305089548 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.39% LTV below guideline requirements of 75.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 16 years and 1 month<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 7 years |
| 305058545 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 9 years and 9 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48.21% LTV below guideline requirements of 75.00% per program. |
| 305085442 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | $100.00 Zero Tolerance due to increase in Title Examination fee from $0.00 to $100.00, without a valid Change in Circumstance (CIC). Requires valid CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 03/24/2026 Client provided COC 2/23 reflecting Borrower approved to clear UCC found on the property report resulting in Examination fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10yrs time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 23yrs time in profession |
| 305058544 | XXXXXX | XXXXXX | XXXXXX | SD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 41 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.60% below guideline requirement of 45% |
| 305085441 | XXXXXX | XXXXXX | XXXXXX | AK | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 24.64 is less than the max of 45.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 10+ years. |
| 305085440 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 17%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 57% |
| 305085439 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 16% revolving credit utilization<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 FICO exceeds program min by > 20 points<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years and 1 month at current residence |
| 305085438 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 46.11% is 43.89 points below the program guideline maximum 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 790 > is above guideline minimum credit score 760. |
| 305085437 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 01/13/2026, List of homeowners counseling organizations was not issued until 01/29/2026. Greater than the required 3 days. | 03/26/26 Client provided HOCL dated 1/13/26. Condition satisfied | 03/26/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.04 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75.86 is less than the max of 90. |
| 305085437 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken 01/13/2026, the Initial LE was not issued until 01/29/2026. Greater than the required 3 days. | 03/26/26 Client provided initial LE 1/13/26. Disclosure was tested with no issue. Condition satisfied | 03/26/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.04 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75.86 is less than the max of 90. |
| 305058543 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.52% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 9 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.42% LTV below guideline requirements of 80.00% per program. |
| 305089547 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Missing current HOI policy effective when loan closed on 3.17.26, policy provided 4.8.26 | 3.27.2026 Client provided copy of prior HOI subject policy effective 4.8.2025 - 2026 | Condition satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 44.16% max per guidelines is 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.78% max per guidelines is 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 10 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 19 years. |
| 305058542 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Required HOI dwelling is $307,243.45. Missing RCE reflecting maximum dwelling coverage. Current HOI dwelling is 210,900. | 2.3.2026 Client provided subject HOI RCE (estimated replacement cost worksheet), HOI reflect sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 72.97% max per guidelines is 80%. |
| 305058541 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 694 is above the minimum of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 42.63%; guidelines allow 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.29%; guidelines allow 45% |
| 305089546 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 27 yrs time at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 yrs time in profession. |
| 305058540 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $3,598.68, max allowed is $3,404.63; $194.04 too high). | 01/27/2026 Client provided missing Fee split document for proper allocation of Affiliate fees. QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.95 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 FICO exceeds guideline of 660. |
| 305058540 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | Section 32 | Satisfied C A | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Maximum charges $3404.63; Adjusted charges $3598.68 ($194.05 difference). Total charges of 5.285% exceeds the High-Cost Loan threshold Maximum Charge of 5.00%.Additionally, Missing Fee Split to determine which fees were paid to Affiliate/Other. | 01/27/2026 Client provided missing Fee split document for proper allocation of Affiliate fees. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.95 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 FICO exceeds guideline of 660. |
| 305085436 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 63.59 is less than the max of 75.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.55 is less than the max of 45. |
| 305058539 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 70+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 12 years and 2 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years and 6 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 13.17% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 781 is 81 points above program guideline minimum of 700. |
| 305058538 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 23%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 36 years on current job |
| 305058537 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 819 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 17.72 DTI below guideline of 45. |
| 305058536 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | A | A B D | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 01/19/2026 Client provided an approved exception request for Missing T.42 Title Endorsement. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Employed at same job since 09/14/2015.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since opening of mortgage in 3/2015. |
| 305058536 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | A | A B D | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 01/19/2026 Client provided an approved exception request for Missing T.42.1 Title Endorsement. | Initial and final Grade B. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Employed at same job since 09/14/2015.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since opening of mortgage in 3/2015. |
| 305058536 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | A | A B D | A | A B | Credit | Income/Employment | Satisfied D A | CRDINC2302 | Missing Required Income Documentation | No | Provide WVOE to validate B2 income calc. | 1.21.2026 Client provided VVOE for B2 however initial condition was pertaining to missing copy of Written VOE with income breakdown (bonus, OT, etc) for accurate calculation to support the bonus,OT used by Lender however with removing of OT and bonus updated DTI is 43.05%; no additional documentation is being requested with removing of this other income for updated DTI of 43.05% (Max 45%) | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Employed at same job since 09/14/2015.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since opening of mortgage in 3/2015. |
| 305058535 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC3274 | Mortgage/Deed in file is incomplete | No | Page 1 of Mortgage is missing. | 1.20.26 Client provided full complete executed copy of Mortgage | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 25 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.68% LTV below guideline requirements of 80.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 5 years and 9 months |
| 305058535 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Legal Documents | Satisfied D A | CRDLGL2864 | Copy of Mortgage/Deed in file is incomplete | No | Mortgage document in file is missing first page. Please provide complete mortgage document with first page included | 1.20.26 Client provided full complete executed copy of Mortgage | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 25 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.68% LTV below guideline requirements of 80.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 5 years and 9 months |
| 305058534 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 last 43 months payment paid on time.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.08% max per guidelines is 45%. |
| 305089545 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated 03/04/2026 was not provided to the borrower within 3 days of the application date of 02/10/2026. | 04/03/2026 Client provided missing List of homeowners counseling organizations dated 02/10. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 53.27% below guideline requirements 90.00%. |
| 305089545 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | LE dated 03/04/2026 was not provided to the borrower within 3 days of the application date of 02/10/2026. | 04/03/2026 Client provided missing Initial LE 02/10. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 53.27% below guideline requirements 90.00%. |
| 305058533 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP4384 | MI Home Loan - Michigan Home Loan Toolkit is not timely | No | MI Home Loan - Michigan Home Loan Toolkit is not timely | 01/19/2026 Client provided Acknowledgements Initial Disclosures reflecting tool kit received 10/29. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.77 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 687 FICO exceeds guideline of 660. |
| 305089544 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage/Deed of Trust | 04/01/2026 Client provided missing, fully executed Mortgage dated 03/20. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 6 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >14 years at current job |
| 305058532 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058531 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 700 is equal to the guidelines of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 59.88% ;guidelines allow 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.43%; guidelines allow 45% |
| 305085435 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 44.14% below guideline requirements 80.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 23 years. |
| 305085434 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3/12/2026 (Thursday) 3 days prior to consummation date of 3/16/2026 (Monday). | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 72 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 22 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 25.5 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 11 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 35.86% below guideline requirement of 45% |
| 305089543 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.49% max per guidelines is 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 24 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 69.01% max per guidelines is 85%. |
| 305058530 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.56% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 56.86% below guideline requirements of 85% |
| 305058529 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.85is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 30.29 is less than the max of 90. |
| 305089542 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing the hazard insurance policy. | 3.30.2026 Client provided subject HOI policy effective 1.30.2026 - 2027 | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.42% DTI below guideline of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 FICO exceeds guideline of 660. |
| 305058528 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.44%: guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 74.95%; guidelines allow 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 745 is above the minimum of 740 |
| 305058527 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Entire credit profile shows no delinquency.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since origination 8/2022. |
| 305085433 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.99% LTV below guideline requirements of 80.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 5 years and 4 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25.35% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years and 8 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 10 years and 3 months |
| 305058526 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 14yrs time in the profession |
| 305089541 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 6 years and 6 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 789 is 29 points above program guideline minimum of 760.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.56% DTI is below guideline requirement of 45.00%. |
| 305085432 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document missing. | 03/23/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 02/24. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.73 DTI below guideline of 45. |
| 305058524 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% CLTV is 25% below the maximum guideline requirements of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 credit score exceeds the 660 minimum guideline requirement by 83 points. |
| 305089540 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing documentation of $508.00 monthly expenses disclosed on the application for investment propertyXXXXXX The only document in file is a tax bill for $1,197.34 annually or $99.78 monthly. | 4.1.2026 Client provided Borrower LOX stating do not hold HOI on West 8th St property and provided updated 1008 with including only taxes | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.88 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 FICO exceeds guideline of 700. |
| 305085431 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 49.97% LTV below guideline requirements of 75.00% per program.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 33 years |
| 305058523 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | $41 Zero tolerance due to decrease in Lender Credit ($0) on Initial CD dated 1/16/2026 without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 02/03/2026 Client provided COC 01/16 reflecting DTI change over 43% causing pricing update. YSP change from $41.00 to -$709.01. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 9 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 last 35 months payment paid on time. |
| 305089539 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 42%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 29% |
| 305058522 | XXXXXX | XXXXXX | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10yrs time in profession |
| 305085430 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.78 is less than the max of 75. |
| 305089538 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.15% DTI is below guideline requirement of 45.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 8 years and 7 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.05% LTV below guideline requirements of 75.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years and 8 months |
| 305058521 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.36 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 52.45 is less than the max of 80. |
| 305058521 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.36 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 52.45 is less than the max of 80. |
| 304755716 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50% CLTV is 25% below the maximum guideline requirement of 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32% DTI is 13% below the maximum guideline requirement of 45%. |
| 305058520 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.33% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.05% LTV below guideline requirements of 80.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 6 years and 10 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 6 years and 3 months |
| 305085429 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.46 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 FICO exceeds guideline of 680. |
| 305089537 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.92 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 FICO exceeds guideline of 660. |
| 305058519 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22years time at current residence |
| 305085428 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 16 years and 8 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 36.08% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 752 is 92 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.42% DTI is below guideline requirement of 45.00%. |
| 305085427 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 7 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 13 years at current job |
| 305058518 | XXXXXX | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 725 max per guidelines is 700.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 24 years. |
| 305058517 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 24 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 64.87% below guideline requirements of 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 4.5 months |
| 305058516 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 736 max per guidelines is 700.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 26 years. |
| 305058515 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 51 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 28.6 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 10.33 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 50.98% below guideline requirements of 75% |
| 305085426 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 FICO exceeds guideline of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 48.85% DTI below guideline of 50%. |
| 305058514 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14year time at current residence |
| 305085425 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 45.23 is less than the max of 90.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.17 is less than the max of 45. |
| 305058513 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.01% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 305058512 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 22 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 50.53% max per guidelines is 75%. |
| 305085424 | XXXXXX | XXXXXX | XXXXXX | SD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 17 years and 6 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 30 years and 6 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 32.11% LTV below guideline requirements of 80.00% per program. |
| 305058511 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 73.00% max per guidelines is 85%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 5 years. |
| 305058510 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 20 years and 1 month<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 7 years and 1 month<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 36.18% LTV below guideline requirements of 75.00% per program. |
| 305058509 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305085423 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV at 41.92% below guideline requirements of 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 29 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 9.8 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 10.25 years. |
| 305085422 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has>7 years at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 65.70% below guideline requirements 90.00%. |
| 305058508 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 29 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 FICO exceeds guideline of 660. |
| 304633654 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 29% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 81 months exceeds guidelines of 24 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years |
| 305058507 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence |
| 305085421 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Employed since 5/1/2006.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Employed since 4/1/2005. |
| 305058506 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 716 > is above guideline minimum credit score 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 56.13% is 23.87 points below the program guideline maximum 80%. |
| 305058505 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.45 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 FICO exceeds guideline of 660. |
| 305085420 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 16 YEARS at current job |
| 305089536 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 19 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 9 years |
| 305089535 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 24%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 46% |
| 305058504 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months. |
| 305089534 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 70.75% below guideline requirements 85.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence > 30 years. |
| 305058503 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 76 months mortgage payment history exceeds the minimum 12 moth requirements by 64 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29% DTI is 16% below the maximum guideline requirement of 45%. |
| 305058502 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305089533 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 19yrs time in profession<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage history 0x76 |
| 305085419 | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage history 0x730mo.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 yrs time at current residence. |
| 305058501 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years and 2 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 13 years and 4 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.49% LTV below guideline requirements of 80.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 23.12% DTI is below guideline requirement of 45.00%. |
| 305058500 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 11 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 6 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 56.86% max per guidelines is 80%. |
| 305089532 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 24+ years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.36% is less than the max of 80%. |
| 305058499 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13yrs time at current residence |
| 305089531 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 6 years and 6 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 305058498 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.05 DTI below guideline of 45. |
| 305058496 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 yrs time at current residence. |
| 305058495 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57% CLTV is 18% below the maximum guideline requirement of 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 47 month mortgage payment history exceeds the minimum guideline requirement by 35 months. |
| 305085418 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 20yrs time in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10yrs time at current residence |
| 305058494 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30yrs time at current residence |
| 305058493 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Final 1003 missing citizenship status for Co-borrower | 1.16.2026 Client provided updated 1003 for B2 reflecting as US Citizen | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 last 44 months payment paid on time.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 8 years. |
| 305058492 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 20 years and 1 month<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 305058491 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30yrs time at current residence |
| 305058490 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.01% max per guidelines is 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 10 years. |
| 305085417 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero Tolerance $550.00 due to increase Second Appraisal fee on Cd 3/5/26 out valid Change of Circumstance. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. COC provided in the file does not specify the amount of the second appraisal. | 03/25/2026 Client provided COC 3/03 reflecting AVM did not support value of home resulting in Exterior only appraisal. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70.76% max per guidelines is 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.99% max per guidelines is 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 18 years. |
| 305058489 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing Home Mortgage Information Document. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 59.99% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 7.08 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.80% below guideline requirement of 45% |
| 305089530 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | A | A B C | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.15% max per guidelines is 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 18 years. |
| 305089530 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | A | A B C | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.15% max per guidelines is 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 18 years. |
| 305089530 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | A | A B C | A | A B | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Missing HOI policy effective when loan closed, policy in file is dated after loan disbursed. | 3.26.2026 Client provided HOI policy effective 3.7.2025 - 3.25.2026 however reflect no coverage info, only have HOI policy effective dates. Condition remains for full copy of this policy. 3.27.2026 Client provided copy of prior HOI policy from 3.7.2025 - 2026 | (No Data) | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.15% max per guidelines is 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 18 years. |
| 305058488 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.49% max per guidelines is 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.84% max per guidelines is 45%. |
| 305058487 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 45.70% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 70 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 34 years |
| 305058486 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 57%. |
| 305058485 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 58.99 is less than the max of 80.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.00 is less than the max of 45. |
| 305058484 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 credit score exceeds the 660 minimum guideline requirement by 118 points.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30% DTI is 15% below the maximum guideline requirement of 45%. |
| 305058483 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6 years and 8 months at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 FICO exceeds program min by > 20 points<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.06% DTI is below program max of 45% |
| 305085416 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 25 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 13 years. |
| 305085415 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30x24 months housing history.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years and 7 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.03% DTI is below program max of 45% |
| 305085414 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10yrs time at current residence<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x73mo |
| 305085413 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 17% revolving credit utilization.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 FICO exceeds min by > 20 points<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.30% DTI is below program max of 45% |
| 305058482 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.55 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 FICO exceeds guideline of 760. |
| 305085412 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.80 DTI below guideline of 45. |
| 305058481 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 19 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 12 years. |
| 305089529 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation showing that HOA dues are paid annually. The statement in file does not confirm the payment frequency. | 4.1.2026 Client provided 1st page of appraisal reflecting HOA is paid yearly, HOA statement in file $200 is yearly amount for $16.67 monthly | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 FICO exceeds guideline of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years at current residence. |
| 305085411 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero Tolerance Fee of $100 (Title - Document Preparation) fee increased from LE $0 to CD 100. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 03/25/2026 Client provided COC 3/9 reflecting Borrower provided documentation and approval for name change on title resulting in Doc Prep fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 6 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.51% below guideline requirement 45.00%. |
| 305058480 | XXXXXX | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 credit score exceeds the 660 minimum guideline requirement by 41 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47% CLTV is 33% below the maximum guideline requirement of 80%. |
| 305085410 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 12 years and 2 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304755652 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 8 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.57% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 48.59% max per guidelines is 80%. |
| 305089528 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 25 years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 64% |
| 305058479 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 02/06/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 1/09. Mail rule applies making the earliest closing date 01/16. Actual closing date 01/16. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 24.09 is less than the max of 45.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Employed with same company since 8/26/2011. |
| 305085409 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058478 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 8 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current job >5 years. |
| 305058477 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 FICO exceeds program min by > 20 points<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 9 years and 7 months at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 41.27% LTV is below program max of 75% |
| 305089527 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 32 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 7 years. |
| 305089526 | XXXXXX | XXXXXX | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B A | CMPTRID5806 | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Initial CD not acknowledged by NBS. Confirmation of receipt a minimum of three days prior to closing is required. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 04/01/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 03/09. Mail rule applies, making the earliest closing date 03/15. Actual closing date 03/18. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 14 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Employed since 11/19/2012. |
| 305085408 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 26 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 7 years and 11 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.76% LTV below guideline requirements of 75.00% per program. |
| 305058476 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 55% |
| 305085407 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Note Not Executed | 3.26.2026 Client provided executed full copy of subject Note | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.33% LTV below guideline requirements of 75.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 13 years and 7 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 7 years and 6 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.33% DTI is below guideline requirement of 45.00%. |
| 305058475 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 35yrs time at current residence |
| 305058474 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 9 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is the is less than 75% guideline.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 29 years at current job |
| 305085406 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 FICO exceeds program min by > 20 points<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 13% revolving credit utilization<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years and 4 months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 4 years and 8 months at current job. |
| 305058473 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 18 years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |
| 305089525 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 53.72% max per guidelines is 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 12 years. |
| 305058472 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 26 time time in profession |
| 305085405 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 32.55% LTV below guideline requirements of 75.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 35 years and 6 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.67% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 32 years and 6 months |
| 305058471 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 682 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.24 DTI below guideline of 45. |
| 305058470 | XXXXXX | XXXXXX | XXXXXX | AK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 32.93 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.39 is less than the max of 90. |
| 305058469 | XXXXXX | XXXXXX | XXXXXX | NE | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5738 | CLTV Exceeds Guideline Requirement by less than 5% | No | CLTV of 84.99% exceeds guideline maximum of 80.00% for borrowers with FICO score less than 720 - 739. | 2.4.2026 Client provided exception approval for CLTV 84.99% exceeding guidelines maximum of 80.00% with fico score 736; CLTV up to 85% require fico score of 740 | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 36+ months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.19% DTI is below guideline requirement of 45.00%. |
| 305058468 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 25 years on current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 47%. |
| 305058467 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 9 years at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 49% |
| 304755621 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 8 years and 1 month<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 23 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 19.80% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 717 is 57 points above program guideline minimum of 700. |
| 305085404 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.91% LTV below guideline requirements of 80.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.87% DTI is below guideline requirement of 45.00%. |
| 305058466 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 73.46% is 6.54 points below the program guideline maximum 80%. |
| 305058465 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.75 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 91 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 45.97% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 28 years |
| 305058464 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ month<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 305058463 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36% DTI is 9% below the maximum guideline requirement of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 credit score exceeds the 680 minimum guideline requirements by 63 points. |
| 305058462 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 01/27/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 12/30. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 27yr time at current residence |
| 305089524 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 24.71% max per guidelines is 85%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 35 years. |
| 305089523 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.70% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 36.50% LTV below guideline requirements of 90.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 14 years and 8 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 793 is 133 points above program guideline minimum of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 27 years |
| 305058461 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 805 is above the minimum of760<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 20.08%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 62.68%; guidelines allow 90% |
| 305085403 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has OT income not used to qualify<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 58% |
| 305085402 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation both borrower and non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 03/26/26 Client provided a screenshot, initial CD was emailed and mailed to both title holders, mailing rule was applied and passed testing. Condition satisfied | 03/26/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 20 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x53 exceeds mortgage history guidelines. |
| 305089522 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document | 04/01/2026 Client provided missing Ohio CSPA Acknowledgement of receipt of Home Mortgage Loan disclosure dated 02/18. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 20 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x37mo |
| 305058460 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 49.99% max per guidelines is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 18 years. |
| 305085401 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 24+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.65% LTV below guideline requirements of 90.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 4 months |
| 305058459 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 790 max per guidelines is 760.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 29 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.37% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 67.54% max per guidelines is 90%. |
| 305089521 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.19% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.19% LTV below guideline requirements of 80.00% per program. |
| 305085400 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 11yrs time in profession |
| 305058458 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6.08 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 28.91% below guideline requirement of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 64.65% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months |
| 305085399 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 29%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |
| 305085398 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.90% DTI is below guideline requirement of 45.00%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 6 years and 7 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 11 years and 2 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years and 2 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.45% LTV below guideline requirements of 85.00% per program. |
| 305058457 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305085397 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 17.87% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 11 years and 3 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 15 years and 2 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 28 years and 1 month |
| 305058456 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 23 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 30%. |
| 305085396 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 11 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x47 exceeds mortgage history guidelines. |
| 305058455 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 19 years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history. |
| 305058454 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 10 years in current profession<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305058453 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 733 is above the minimum of 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 58.77%; guidelines allow 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.60%; guidelines allow 45% |
| 305085395 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 19 years and 10 months at current job.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30x24 housing payment history<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years and 1 month at current residence. |
| 305089520 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 5 years at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 41% |
| 305089519 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 34.13% CLTV below guideline requirements of 90% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 305058452 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.27% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 28.51% max per guidelines is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 29 years. |
| 305085394 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 28.52% max per guidelines is 85%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 last 99 months payment paid on time. |
| 305085393 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 65.40% below guideline requirements 90.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence > 5 years. |
| 305089518 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 22 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 11 years. |
| 305058451 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7yrs time at current residence |
| 305085392 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.51% below guideline requirement 45.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence > 4 years. |
| 305085391 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.20% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 33 years and 5 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.30% LTV below guideline requirements of 80.00% per program. |
| 305085390 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken 02/20/2026, the Housing Counselors List was not issued until 02/26/2026. Greater than the required 3 days. | 03/26/26 Client provided HOCL dated within 3 days of initial application. Condition satisfied | 03/26/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 5 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.79% is below lender's guide line maximum of 45%. |
| 305085390 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken 02/20/2026, the Initial LE was not issued until 02/26/2026. Greater than the required 3 days. | 03/26/26 Client provided initial LE dated 2/25/26. Disclosure was tested with no issues. Condition satisfied | 03/26/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 5 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.79% is below lender's guide line maximum of 45%. |
| 305085389 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.94 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 61.19 is less than the max of 85. |
| 305058450 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 53.75 is less than the max of 85.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.85 is less than the max of 45. |
| 305089517 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 16 years in current profession<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305058449 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 26.40 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.64 is less than the max of 80. |
| 305058448 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55.80 is less than the max of 90.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.61 is less than the max of 50. |
| 305058447 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 22.63 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 61.15 is less than the max of 90. |
| 305085388 | XXXXXX | XXXXXX | XXXXXX | KY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 30yrs time in profession |
| 305058446 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 22 years and 5 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.20% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 42.42% LTV below guideline requirements of 75.00% per program. |
| 305058445 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 47 years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 48% |
| 305058444 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | Calculated DTI of 52.64% which exceeds guideline of 50%. | 1.26.2026 Client provided duplicate (in file) Written VOE and income have been increased for DTI of 49.65% | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x36 mortgage payment history exceeds guideline of 0x30x12.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 FICO exceeds guideline of 700. |
| 305058444 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Lender income calculation of $5,350.10 monthly is not supported by documentation in file. | 1.26.2026 Client provided duplicate (in file) Written VOE and income have been increased for DTI of 49.65% | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x36 mortgage payment history exceeds guideline of 0x30x12.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 FICO exceeds guideline of 700. |
| 305058443 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.39 DTI below guideline of 45. |
| 305085387 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | The lender failed to include a rental loss in the Debt-to-Income ratio, or did not recognize evidence that the borrower was not responsible for said loss, it is likely a miscalculation of rental income | 3/22 Updated rental income using 7 months DTI updated to 47.22 | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 24yrs time in profession |
| 305058442 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 34%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 60% |
| 305089516 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.59% LTV below guideline requirements of 85.00% per program.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 758 is 38 points above program guideline minimum of 720. |
| 305058441 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058440 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 59.95%; guidelines allow 70%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.31%; guidelines allow 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 713 is above the minimum 700. |
| 305085386 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 03/26/26 Client provided HOCL list dated within 3 days of application date. Condition satisfied | 03/26/26 Condition satisfied | (No Data) | Not Applicable | (No Data) |
| 305058439 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.65 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 FICO exceeds guideline of 660. |
| 305085385 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 22yrs time in profession |
| 305085384 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.78% below guideline requirement 45.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 36 years. |
| 305058438 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Base on Property Inspection Report photos rear upper level railing are missing resulting in a possible safety issue | 12.16.2025 Client provided an LOX stating, see attached a photo - borrower has the area in front of door to balcony blocked off - these are photos from the inside of the home - so no longer a safety hazard. Response, photo provided dont appear to be rear of subject photo, appears the upper level railing near glass sliding double doors is where the upper level railing is missing which is a possible safety issue. Condition remains 12.22.2025 Client provided LOX stating, 12/22/25 The uploaded photos should sufficient to clear this condition. The photos show that the door to the balcony is completely blocked and there is no access to the balcony. There is no longer a safety issues since there is no access to the balcony. Please review and clear this condition. Response, will be further reviewed. 12.23.2025 Client provided LOX stating uploaded photos should be sufficient to clear this condition. Response, have been further review with management and initial condition remains, base on property inspection report, photos of rear upper level railing are missing, resulting in a possible safety issue. 2.3.2026 Client provided photo showing door has been boarded up. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23yrs time at current residence |
| 305085383 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing Subject Property Title document in file. Please provide missing documents | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.38% LTV below guideline requirements of 85.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 18.59% DTI is below guideline requirement of 45.00%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 305058437 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3568 | TRID - Error discovered on the Loan Estimate | No | Missing Initial LE 12/10/2025. The Intent to Proceed confirmation confirms Initial LE 12/10/2025. Additionally, Change in Circumstance date 12/10/2025 reflects increase of fees, and ComplianceEase also reflects 12/10/2025 application/LE date. | 02/02/2026 Client provided missing Le 12/10 with One Span reflecting viewed on 12/10. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.07% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 7 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 8 years |
| 305058437 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide documentation the borrower received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 002/02/2026 Client provided One Span reflecting Initial CD 1/12 viewed on 1/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.07% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 7 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 8 years |
| 304435515 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated 07/09 not provided w/in 3 days of application date of 06/27/2024 | 10/09/2024 Client provided missing List of homeowners counseling organizations dated 6/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on current job for 18 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been on job for 22 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 15 years. |
| 304435515 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD 9/17/2024 esigned 09/23/2024 less than 3 days prior to consummation date of 09/25/2024 | 10/14/24 Client provided Docusign tracking for LE 7/9/24. Per client, initial CD was mailed and mailing rule applies. Condition remains and is pending receiving confirmation for initial CD 9/17/24 was mailed as disclosure is e-signed on 9/23/24. 10/15/2024 Client provided a Disclosure history reflecting CD 9/17 was provided via E-disclosure however not viewed/signed until 9/23 which does not allow a full 3 day wait period with closing date on 9/25. Provide evidence that Both received the Initial CD 9/17 dated allowing for 3 full days.10/21/2024 Client provided rebuttal reflecting CD was sent 9/17 and 3 day mail rule applies. Closing date 9/17 allows for closing on or after 9/24. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on current job for 18 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been on job for 22 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 15 years. |
| 305058436 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 42+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 10 years and 1 month |
| 305058435 | XXXXXX | XXXXXX | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero Tolerance $3.11. Increase Credit Report. Change of Circumstance, or Post Close CD, LOX and a copy of refund check to borrower. | 01/15/2026 Client provided PCCD 1/14 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 691 > is above guideline minimum credit score 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x38 exceeds mortgage history guidelines. |
| 305058434 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero Tolerance $50.00. Increase Settlement Fee Increase. Change of Circumstance, or Post Close CD, LOX and a copy of refund check to borrower. | 02/04/2026 Client provided a collaborate Comment: Finding invalid. The LE and ICD both reflect $350 settlement fee. Condition remains. Initial LE 1/5 issued with Settlement fee of $300.00 and increase to $350.00 on LE 1/6. Provide additional information that caused to Settlement fee to increase on LE 1/6 or PCCD with $50.00 cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 02/10/2026 Clien tprovided COC 1/6 reflecting Product change from 1st to CES. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.69% LTV below guideline requirements of 75.00% per program. |
| 305058433 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 33%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 16 years on current job |
| 305058432 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A B D | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 60.14%; guidelines allow 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.37%; guidelines allow 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 732 is above the minimum of720 |
| 305058432 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A B D | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 60.14%; guidelines allow 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.37%; guidelines allow 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 732 is above the minimum of720 |
| 305058432 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A B D | A | A B | Credit | Insurance | Satisfied D A | CRDINSR5081 | Insurance Policy missing required endorsements | No | Insurance in file does not show premium amount | 1.27.2026 Client provided copy of HOI policy with premium | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 60.14%; guidelines allow 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.37%; guidelines allow 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 732 is above the minimum of720 |
| 305089515 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 77.29% below guideline requirements 85.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 5 years. |
| 305058431 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 761 is above the minimum of 760<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.76%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 79.85%; guidelines allow 90% |
| 305058430 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 60% max per guidelines is 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 17 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 29 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.21% max per guidelines is 45%. |
| 305058429 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing explanation for the credit inquiries with XXXXXX on 12/04/2025. The credit report is dated 12/11/2025. | 1.13.2026 Client provided credit report dated 12.4.2025 and credit report in file is dated 12.11.2025 appears the inquiries are from this transaction with XXXXXX and Xactus (credit report pulled from) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.26 DTI below guideline of 45. |
| 305085382 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.37 DTI below guideline of 45. |
| 305058428 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $198.97 monthly taxes for the subject property. Taxes are not escrowed. | 1.14.2026 Client provided copy of tax bill supporting $200.71 | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x27 mortgage payment history exceeds guideline of 0x30x12.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates in last 24 months. |
| 305085381 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | TX- 03/16/2026- Client provided an approved exception for missing T.42 Title Endorsement | TX- 03/16/2026- Initial and Final Grade B- change date to today | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 FICO exceeds guideline of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16 years at current job. |
| 305085381 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | TX- 03/16/2026- Client provided an approved exception for missing T.42.1 Title Endorsement | TX- 03/16/2026- Initial and Final Grade B- change date to today | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 FICO exceeds guideline of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16 years at current job. |
| 305085380 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Employed since 9/22/1995.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by approx $1,000 per month. |
| 305089514 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 70 mos. mtg. payment history with 0X30,60,90 days. Acct. is paid as agreed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years in same line of work/profession |
| 305058427 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing updated VVOE dated with 10 days of closing.. VVOE dated 11.18.25, loan closed on 12.11.25 | 1.6.2026 Client provided VVOE dated 12.1.2025 stating verifying employment with Equifax (Work Number) however the Equifax (work number) was not provided. Condition remains for copy of the Equifax/work number dated 12.1.2025 1.12.2026 Client provided Equifax VVOE dated 12.1.2025 (XXXXXX) | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 62.48% max per guidelines is 80%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 last 21 months payment paid on time.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current job for 19years. |
| 305058426 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 FICO exceeds program min by > 20 points<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.58% DTI is below program max of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years and 8 months at current job. |
| 305085379 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.81%below guideline requirement 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 23 years. |
| 305058425 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 31.08 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 62 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 57.27% below guideline requirements of 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.41% below guideline requirement of 45% |
| 305085378 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 813 FICO exceeds program min by > 20 points<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years and 2 months at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30x24 housing payment history |
| 305089513 | XXXXXX | XXXXXX | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof the HELOC with XXXXXX has been closed to future draws. | 3.31.2026 Client provided executed by borrowers requesting closure of HELOC w/XXXXXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 42 years on current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 39 years at current residence. |
| 305058424 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25.19 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 FICO exceeds guideline of 660. |
| 305058423 | XXXXXX | XXXXXX | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 718 is above the minimum of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 79.80%; guidelines allow 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.63%; guidelines allow 45% |
| 305058422 | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 40yrs time in profession |
| 305058421 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 72.70% ; guidelines allow 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.58%; guidelines allow 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 758 is above the minimum of 740 |
| 305058420 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 10 years in current profession<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |
| 305058419 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 60.36% is 19.64 points below the program guideline maximum 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 15 years. |
| 305058418 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.02 DTI below guideline of 45. |
| 305058417 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058416 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25yrs time at current residence |
| 305058415 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | The Verbal VOE shows an Employment Status of Not Currently Employed. | 1.12.2026 Client provided duplicate (in file pg 58) Equifax work number VVOE dated 12.16.2025 reflecting active employment status however lender Verbal verification of employment completed by: Marques Minor/Processor states employment status not currently employed. Condition remains for further clarification of Lender VVOE stating employment status of not employed. This is what initial condition is pertaining to 1.14.2026 Client provided LOX stating, The form you are referencing is filled out by the processor but the options for employed and no longer employed are dropdown options The form showing no longer employed was selected erroneously and can be evidenced as the form also shows date of employment from 9-25-2017 to Present and info is as of 12-16 matching our TWN report. Response, with Client stating was chosen by processor erroneously accepting TWN dated 12.16.2025 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.05 DTI below guideline of 45. |
| 305058414 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years and 6 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.96% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48.45% LTV below guideline requirements of 75.00% per program. |
| 305058413 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 760 is above the minimum of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 48.34%; guidelines allow 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 74.88%; guidelines allow 80%. |
| 305089512 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 yrs time at current residence<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x27 |
| 305058411 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2302 | Missing Required Income Documentation | No | Missing YTD paystub and prior two years W-2s or Written VOE with income supporting $8,484.91 base pay monthly and $2,682.55 overtime pay monthly. | 1.30.2026 Client provided Written VOE dated 1.2.2026 covering YTD 2025 and prior two years earnings, income supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.93 DTI below guideline of 45. |
| 305089511 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 38 years. |
| 305085377 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 22 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 19 years at current job |
| 305058410 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058409 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 686 is above the minimum of 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.27%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 73.33% ;guidelines allow 75% |
| 305058408 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 31%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 49 years at current residence. |
| 305058407 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 76.40 is less than the max of 90.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.00 is less than the max of 45. |
| 305058406 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 15 years and 5 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.21% DTI is below guideline requirement of 45.00%. |
| 305058405 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH2416 | Questionable factors on credit report | No | Provide proof that the XXXXXX credit card was either paid off or paid down. THe CBR shows a payment of $639, lender shows payment on 1003 of $75. Borrower states was paid in full. | 2.4.2026 Client provided copy of XXXXXX statement verifying monthly payment of $75.00 and statement do reflect a large payment of $23,961 being made and outstanding balance of $256.39 with monthly $75.23; credit report dated prior to this statement | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 38.95% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 64 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 17.08 years |
| 305058404 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.81% DTI is below guideline requirement of 45.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 795 is 165 points above program guideline minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.53% LTV below guideline requirements of 90.00% per program.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 305058403 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 34yrs time at current residence |
| 305089510 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 70.87% below guideline requirements 80.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence > |
| 305058402 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated 11/20/25 not provided w/in 3 days of application | 01/21/2026 Client provided Initial Disclosures including missing List of homeowners counseling organizations dated 10/29. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 61.24 is less than the max of 75.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by $675 a month. |
| 305058402 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken 10/28/2025, the initial LE was not issued until 11/20/2025. Greater than the required 3 days | 01/21/2026 Client provided Initial Disclosures including missing Initial LE 10/29. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 61.24 is less than the max of 75.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by $675 a month. |
| 305085376 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | Client provided an approved exception for missing T.42 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8yrs time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10yrs time in profession |
| 305085376 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | Client provided an approved exception for missing T.42.1 Title Endorsement | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8yrs time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10yrs time in profession |
| 305058401 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing title report. | 2.9.2026 Client provided copy of Title Report Search w/Express Title | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 19 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 13 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 18 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.66% max per guidelines is 45%. |
| 305058400 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2302 | Missing Required Income Documentation | No | Missing income documents to supported monthly $5152.58 mo. | 1.23.2026 Client provided Written VOE dated 12.9.2025 covering YTD 2025 and prior two years earnings, base and OT income used for qualifying supported. | Condition saitsfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 yrs time at current job. |
| 305058399 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $477.18 monthly taxes for the subject property. Taxes are not escrowed. | 1.12.2026 Client provided evidence of monthly taxes used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.24 DTI below guideline of 45. |
| 305089509 | XXXXXX | XXXXXX | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by $815 per month.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Employed since 3/5/2021. |
| 305058398 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.35 is less than the max of 80.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.41 is less than the max of 45. |
| 305058397 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 742 is 42 points above program guideline minimum of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.83% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.72% LTV below guideline requirements of 85.00% per program. |
| 305058396 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.98% max per guidelines is 80%. |
| 305089508 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.04 is less than the max of 50.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 77.02 is less than the max of 90. |
| 305085375 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 5 years and 6 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 6 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.04% LTV below guideline requirements of 75.00% per program.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 16 years and 7 months |
| 305058395 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305085374 | XXXXXX | XXXXXX | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 28yrs time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 34yrs time in profession |
| 305058394 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 36% CLTV is 54% below the maximum guideline requirement of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 credit score exceeds the 660 minimum guideline requirement by 118 points. |
| 305058393 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48.49% LTV below guideline requirements of 75.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years |
| 305089507 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 44.21% below guideline requirements 75.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 25 years. |
| 305058392 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton's status determination places loan in a riskier status than the Lender's status determination because of compliance failure. The test APR is 9.398%, the benchmark APR is 5.890% resulting in a difference of 3.508%, max difference allowed is 3.50% | 02/12/2026 Client provided missing lock dated 1/21. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 19 years and 6 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.18% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 773 is 53 points above program guideline minimum of 720. |
| 305058392 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 02/12/2026 Client provided Disclosure History reflecting Initial CD was also sent via USPS 01/22. Mail rule applies making the earliest closing date 01/29. Actual closing date 01/29. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 19 years and 6 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.18% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 773 is 53 points above program guideline minimum of 720. |
| 305058392 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3568 | TRID - Error discovered on the Loan Estimate | No | Missing Locked LE dated 11/26/2025 per the Changed Circumstance Form as well as the Compliance Ease report on page 407. | 02/12/2026 Client provided COC 1/21 reflecting lock and Points. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 19 years and 6 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.18% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 773 is 53 points above program guideline minimum of 720. |
| 305058391 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower have only made use of 21% of an available $52,000.00 revolving credit line<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 36 months |
| 305058390 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken 12/09/2025, the initial LE was not issued until 12/16/2025. Greater than the required 3 days | 01/21/2026 Client provided missing Initial LE 12/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 24.07 is less than the max of 90.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.70 is less than the max of 45. |
| 305058390 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero Tolerance Fee of $5.02 due to (Points $5.02) increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 01/21/2026 Client provided missing Initial LE 12/12. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 24.07 is less than the max of 90.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.70 is less than the max of 45. |
| 305058389 | XXXXXX | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 6 years and 3 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ month |
| 305058389 | XXXXXX | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 6 years and 3 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ month |
| 305058388 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.63 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 FICO exceeds guideline of 660. |
| 305058387 | XXXXXX | XXXXXX | XXXXXX | VT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 20 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 25 years. |
| 305085373 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 yrs time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 yrs time at current residence. |
| 305085372 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years and 3 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 23.49% DTI is below guideline requirement of 45.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 791 is 131 points above program guideline minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.04% LTV below guideline requirements of 90.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 6 years and 4 months |
| 305058386 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 FICO exceeds guideline of 720.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years at current residence. |
| 305089506 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 7 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 12 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history 0 X 30 over 29 months |
| 305058385 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 50%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 28% |
| 305058384 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20yrs time at current residence |
| 305085371 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >8 years at current job |
| 305058383 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 FICO exceeds program min by > 20 points<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6 years and 6 months at current residence.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 23% revolving credit utilization. |
| 305058382 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 54.74% LTV below guideline requirements of 90.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.77% DTI is below guideline requirement of 45.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 809 is 149 points above program guideline minimum of 660. |
| 305085370 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 30 years and 2 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.48% DTI is below program max of 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 12% revolving credit utilization.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 25 years at current residence. |
| 305058381 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 64.23%; guidelines allow 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 19.15%; guidelines allow 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 725 is above the minimum of 720 |
| 305058380 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.21 DTI below guideline of 45. |
| 305058379 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 37.99% is 7.01 points below the program guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 797 > is above guideline minimum credit score 760. |
| 305085369 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6 years and 1 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 FICO exceeds program min of 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 25% revolving credit utilization.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 28 years and 11 months at current job |
| 305058378 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.60 DTI below guideline of 45. |
| 305089505 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 59.23% is less than the max of 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.48% is less than the max of 45%. |
| 305085368 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.62% DTI is below guideline requirement of 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.44% LTV below guideline requirements of 90.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 7 years and 2 months |
| 305085367 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.89% max per guidelines is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 6 years. |
| 305085366 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >35 years at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.55% below guideline requirement 45.00%. |
| 305085365 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 60.65% below guideline requirements 80.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 4 years. |
| 305058377 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305058375 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 35 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 9.83 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 58.55% below guideline requirements of 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.22% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8.08 years |
| 305085364 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by $499 per month.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0X30 since origination in 11/2021. |
| 305058374 | XXXXXX | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.08 is less than the max of 45.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 11+ years. |
| 305089504 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 69.60% max perguidelines is 80%. |
| 305089503 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1752: No Verified Compensating Factors<br> - Clayton Comments: No comp factors could be found. |
| 305058373 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 68.72% max per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.43% max per guidelines is 45%. |
| 305058372 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing LE dated 11/24/2025 per the Compliance Ease Report on page 439 and the Intent to Proceed Confirmation on page 390. | 02/03/2026 Client provided missing Initial LE 11/24. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 54.32% LTV below guideline requirements of 85.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years and 1 month<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 11 years and 8 months |
| 305058372 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations in file is dated 12/01/2025. Not provided within 3 days of the 11/24/2025 application date. | 02/03/2026 Client provided missing List of homeowners counseling organizations dated 11/24. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 54.32% LTV below guideline requirements of 85.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years and 1 month<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 11 years and 8 months |
| 305058371 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 731 is above the minimum of 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 49.13%; guidelines allow 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 76.78%; guidelines allow 80% |
| 305058370 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 62.53% is 12.47 points below the program guideline maximum 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 31.46% is 13.54 points below the program guideline maximum 45%. |
| 305089502 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 yrs time at current residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Positive history exceeds guidelines 0x38mo. |
| 305058369 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations date 11/4/25 not provided w/in 3 days of application | 01/16/2026 Client provided missing List of homeowners counseling organizations dated 10/21. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) |
| 305058369 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken 10/21/2025, the initial LE was not issued until 10/28/2025. Greater than the required 3 days | 01/16/2026 Client provided the missing Initial LE 10/21. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) |
| 305058368 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.46 DTI below guideline of 45. |
| 305058367 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 41% |
| 305085363 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 35.64 is less than the max of 85.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.90 is less than the max of 45. |
| 305089501 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 20yrs time in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 17yrs time at current residence |
| 305058365 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive 61moths mortgage history |
| 305085362 | XXXXXX | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 8 years and 11 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 6 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.10% LTV below guideline requirements of 80.00% per program. |
| 305089500 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 49.43% below guideline requirements 80.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 21 years. |
| 305089499 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 23 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 14 years at current job |
| 305058364 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 last 13 months payment paid on time.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 61.98% max per guidelines is 85%. |
| 305085361 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 30 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 60.64% is 14.36 points below the program guideline maximum 75%. |
| 305058363 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.11 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 FICO exceeds guideline of 700. |
| 305089498 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12yrs time at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 26yrs time in profession |
| 305058362 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | $4.00 Zero Tolerance due to increase in Credit Report Fee from $95.00 to $99.00 without a valid Change in Circumstance (CIC). CIC dated 12/31/2025/2025 was insufficient to validate increase. Requires valid CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 02/02/2026 Client provided PCCD 1/29 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by $701 a month.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Current employment since 11/01/2017. |
| 305058361 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 51 month mortgage payment history exceeds the 12 month minimum guideline requirement by 39 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 credit score exceeds the 725 minimum guideline requirement by 44 points. |
| 305058360 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 19 yrs time at current job |
| 305085360 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Current job since 3/1/2001.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 63.04 is less than the max of 75. |
| 305058359 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 56.45%; guidelines allow 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 24.44%; Guidelines allow 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 702 is above the minimum of 700 |
| 305058358 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 25 years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 787 is 27 points above program guideline minimum of 760. |
| 305085358 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 21yrs time in profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5yrs time at current residence |
| 305058357 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.54% DTI is below guideline requirement of 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 6 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 305058356 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 16yrs time in profession |
| 305058355 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.11 DTI below guideline of 45. |
| 305058354 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22yrs time at current residence |
| 305058353 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 20 years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 48% |
| 305058352 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 45.09 is less than the max of 85.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.45 is less than the max of 45. |
| 305058351 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC3274 | Mortgage/Deed in file is incomplete | No | The Mortgage/Deed in file is incomplete; Missing Pages 20-21. | 01/15/2026 Client provided fully executed at closing, Security Deed, including complete notary. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 744 is 84 points above program guideline minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 35.73% DTI is below guideline requirement of 45.00%. |
| 305058351 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | The Mortgage/Deed in file is Missing the Notary. | 01/15/2026 Client provided fully executed at closing, Security Deed, including complete notary. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 744 is 84 points above program guideline minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 35.73% DTI is below guideline requirement of 45.00%. |
| 305089497 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69.38% below guideline requirements of 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 12.5 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 77 months exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 16.48% below guideline requirement of 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 12.5 years. |
| 305089496 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 77.12% below guideline requirements 85.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence > 8 years. |
| 305089495 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x25<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20YRS time at current residence |
| 305058350 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations not provided w/in 3 days of application | 01/21/2026 Client provided missing List of homeowners counseling organizations dated 09/15. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 24years time at current job |
| 305058350 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken 09/10/2025, the initial LE was not issued until 09/18/2025. Greater than the required 3 days | 01/21/2026 Client provided missing Initial LE 9/15. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 24years time at current job |
| 305058349 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP1297 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | No | Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan). | 01/20/2026 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 12/08. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.56 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 FICO exceeds guideline of 660. |
| 305058349 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP1309 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | No | Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost). | 01/20/2026 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 12/08. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.56 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 FICO exceeds guideline of 660. |
| 305085357 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.66 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 FICO exceeds guideline of 660. |
| 305058348 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 84.29% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 37 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 16.8 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 30.06% below guideline requirement of 45% |
| 305058347 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 14 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 743 > is above guideline minimum credit score 720. |
| 305058346 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR expiration date of 1/2/26 is prior to end of earliest rescission date allowable of 1/3/26 | 01/26/2026 Provided re-opened Right to Cancel documents, LOE and delivered 1/14 tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 21 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current job for 24 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 51.84% max per guidelines is 85%. |
| 305085356 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing LE dated 2/12/2026 per the Intent to Proceed Confirmation on page 485 and the Compliance Ease report on page 580. | 03/18/2026 Client provided the missing LE 02/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.87% CLTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 792 is 32 points above program guideline minimum of 760.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 18 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 26 years and 10 months. |
| 305058345 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 62.38 max per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.25% max per guidelines is 45%. |
| 305058344 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 66%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 13 years on current job |
| 305059078 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing Page 3 of the Final CD dated 12/23/2025. | 01/12/2026 Client provided missing page 3 of the Final CD 12/23 with matching loan amount, fees and C/O. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30% DTI is 15% below the maximum guideline requirement of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 41% CLTV is 49% below the maximum guideline requirement of 90%. |
| 305085723 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Provide copy of Title | 3.12.2026 Client provided copy of subject Title commitment, initial file have copy of prior Note and 1st lien mtg statement | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 62 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 35.11% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 11 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 20 years for B1 |
| 305085751 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide the lender's QM detrermination | 3.12.2026 Client provided (Compliance EAGLE Quick Connect) w/Lender QM Safe Harbor status determination | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.67 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 FICO exceeds guideline of 660. |
| 305085751 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | Credit report is not dated within 90 days of the Note Date. Credit report date 11/12/2025. Note date 3/2/2026. The credit refresh report dated 2/25/2026 does not have updated credit scores. | 3/22 Client provided a 3/18 credit report supporting the original credit. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.67 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 FICO exceeds guideline of 660. |
| 305085751 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR151 | Appraisal dated beyond acceptable date range per guidelines | No | AVM is not dated within 60 days of the Note Date. AVM date XXXXXX Note date XXXXXX | 3/22 Client provided a 3/18 AVM supporting the original value | Satisfy | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.67 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 FICO exceeds guideline of 660. |
| 305059044 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 27%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 51% |
| 305059048 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 12.8 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 10 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 27.67% below guideline requirement of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 47.61% below guideline requirements of 90% |
| 305059033 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 51.67% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 10.75 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 21.75 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 16.59% below guideline requirement of 45% |
| 305089702 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 56.99% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 66 months exceeds guidelines of 12 months |
| 305059036 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide the Supplemental Consumer Information Form. | 2/5 Client provided the SCIF | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 24.87% below guideline requirement of 45%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 52 months exceeds guidelines of 12 months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 20.17 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 15.17 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 11.75 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 53.26% below guideline requirements of 90% |
| 305059076 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Right of Rescission | Satisfied B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing Right of Rescission form | 01/07/2026 Client provided missing H8 RR form executed at closing 12/10. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69.08% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 56 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 15.25 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.5 years |
| 305059076 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Right of Rescission | Satisfied D A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing Right of Rescission form | 01/07/2026 Client provided missing H8 RR form executed at closing 12/10. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69.08% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 56 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 15.25 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.5 years |
| 305059061 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide the lender's QM determination | Client provided determination SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 33.61% below guideline requirement of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV AT 62.47% below guideline requirements OF 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months |
| 305059061 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide the Supplemental Consumer Information Form | 1/26 Client provided the Supplemental info form | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 33.61% below guideline requirement of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV AT 62.47% below guideline requirements OF 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months |
| 305059089 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | Right of Rescission | Satisfied B A | CMPROR118 | ROR - Disbursement date is on/before disclosed "midnight of" date | No | ROR in file is signed by the borrowers on 11/25/2025 with an expiration date of 12/01/2025. Per Final CD dated 11/17/2025, Disbursement date is 12/01/2025. Disbursement date is before end of statutory rescission period. Provide a Disbursement CD and Final Alta/Settlement Statement reflecting same fees and dates. | 12/17/2025 Client provided New ROR H8 forms with expiration date corrected to 11/29. Condition remains. Provide additional information as to why the ROR forms in the file reflect the Expiration date of 12/1 and the forms now provided reflect 11/29, to be reviewed. Additional Conditions may apply. 01/13/2026 Client provided a collaborate comment: The corrected rescission document was updated at the signing table based on the actual signing date. The corrected document was used for funding and, Funding CD 12/15 with the matching Final Alta/Settlement Statement. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 50 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 4.33 years |
| 305059089 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $18.00 for zero tolerance fees.Tax Service fee increased from $62.00 to $80.00 on the Initial CD dated 11/17/2025. Lender Credit on the Final CD in the amount of $830 does not specify any amount is for fees that exceed the legal limit. | 12/17/2025 Client provided an LOE stating that a generic amount for Tax Service fee was used and increased when loan was locked. Condition remains. Provide supporting documentation that the rate lock impacted the tax service fee. 01/02/2026 Client provided a Tax service fee chart and LOE stating that the fee is adjusted to the Investor amount once the loan is locked and the Investor is known. Supported by the Lock Confirmation dated 11/13 and increase on CD 11/17. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 50 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 4.33 years |
| 305059084 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A C D | A | A C | Compliance | Right of Rescission | Satisfied C A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR in file is signed by the borrowers on 12/16/2025 with an expiration date of 12/19/2025. Per Final CD dated 12/05/2025, Disbursement date is 12/19/2025. Disbursement date is before end of statutory rescission period | 01/02/2026 Client provided Final Alta/Settlement Statement. Condition remains for Funding CD with matching figures and dates. 01/21/2026 Client provided Funding CD 01/12 confirming fees and dates on Final Alta. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 61.37% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 33.01% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 22 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 28.92 years |
| 305059084 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A C D | A | A C | Credit | Legal Documents | Satisfied D A | CRDLGL5773 | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Provide a current REO Mortgage statement for the 1st mortgage | 1.2.2026 Client provided copy of 1st mortgage statement for subject | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 61.37% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 33.01% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 22 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 28.92 years |
| 305085741 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A C D | A | A C | Compliance | Right of Rescission | Satisfied C A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR in file is signed by the borrowers on 02/05/2026 with an expiration date of 02/09/2026. Per Final CD dated 01/27/2026, Disbursement date is 02/06/2026. Disbursement date is before end of statutory rescission period | 03/09/20026 Client provided PCCD with updated Disbursement date. Condition remains. Provide the Final ALTA/Settlement Statement or Disbursement Ledger supporting the Date Change. 03/16/2026 Client provided the matching Final ALTA confirming Disbursement date. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 73 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 59.16% below guideline requirements of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 31.30% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 9.75 years |
| 305085741 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A C D | A | A C | Credit | Legal Documents | Satisfied D A | CRDLGL5773 | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Provide the 1st mortgage statement | 3.9.2026 Client provided copy of 1st lien mortgage statement | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 73 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 59.16% below guideline requirements of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 31.30% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 9.75 years |
| 305059050 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 11.75 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 27.86% below guideline requirement of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 39.88% below guideline requirements of 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 13.75 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job og 11.33 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months |
| 305085734 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.29% max per guidelines is 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 7 years. |
| 305085730 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 40 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 718 > is above guideline minimum credit score 700. |
| 305059082 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Application | Satisfied C A | CRDAPP131 | Occupancy status not supported by file documentation | No | Borrower states that the subject is his primary residence but is shown also as an investment property. Subject is a SFR and not a multi family unit. Business Purpose letter states is to be a rental unit only. Provide a current executed 1003 reflecting where the borrower will be living and any expenses. | 1/05/2026 client provided corrected 1003 and Final CD for new purchase. Condition remains for final signed 1003.1/12/2026 client provided signed 1003. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 63.69% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 94 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.53% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8.08 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 6 years |
| 305059042 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.92 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 56 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 29.58% below guideline requirement of 45%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 22 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 70.84% below guideline requirements of 80% |
| 305059043 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Provide an estoppel letter closing the HELOC to future draws. | 2.5.2026 Client provided executed by Borrower requesting close of HELOC | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.76% below guideline requirement of 45%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 28.66% below guideline requirements of 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 22 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 17.5 years |
| 305059040 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Provide copy of Title | 2/04/2026 client provided property report. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 74.54% below guideline requirements of 80%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6.5 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.92 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 70 months exceeds guidelines of 12 months |
| 305059065 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Provide an estoppel letter closing the HELOC to future draws. | 1.6.2026 Client provided executed request from borrower to close out HELOC upon receipt of payoff | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 60.96% below guideline requirements of 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 27.49% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 7.83 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 12.33 years |
| 305059058 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69.28% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 84 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.36% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 25.42 years |
| 305059091 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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's dated 11/07/2025 and 11/13/2025- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 001/30/226 Client provided PCCD 12/10 with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of revolving credit<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305059091 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated 11/07/2025 and 11/13/2025 reflect $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior liens, disclosure of the first lien taxes, insurance and assessments is required. | 001/30/226 Client provided PCCD 12/10 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of revolving credit<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305059091 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated 11/07/2025 and 11/13/2025- Loan Disclosures- Escrow Account - Estimated property costs over 1 year reflect $0.00. | 001/30/226 Client provided PCCD 12/10 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of revolving credit<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305059091 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 45% | No | Allowed up to 50% with a minimum credit score of 720 and a LTV of 80%. Clayton calculated LTV with valuation in the file of 105% | 1.30.2026 Client provided post close dated (1.24.2026) appraisal with value of $770,000. | Condition satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of revolving credit<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305059091 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Credit | LTV/CLTV | Satisfied C A | CRDLTV203 | CLTV > 80% | No | The AVM in file has a value of $562,000.00 which makes the LTV 105%. Lender used a value of $740,000.00 | 1.30.2026 Client provided post close dated (1.24.2026) exterior appraisal with value of $770,000 (Subject Note date 11.13.2025), AVM in file value $562,000 and lender 1008 value of $740,000; condition remains for prior to closing valuation of $740,000 used per 1008. | Condition satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of revolving credit<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305059091 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Credit | LTV/CLTV | Satisfied C A | CRDLTV3032 | CLTV Exceeds Guideline Requirement by 10% or more | No | The AVM in file has a value of $562,000.00 which makes the LTV 105%. Lender used a value of $740,000.00 | 12/3 Client provided a desk review from VEROS supporting the AVM value; However, GLs require a 2055 appraisal to support the value when the AVM fails 1.30.2026 Client provided post close dated (1.24.2026) exterior appraisal with value of $770,000 (Subject Note date 11.13.2025), AVM in file value $562,000 and lender 1008 value of $740,000; condition remains for prior to closing valuation of $740,000 used per 1008. | Condition satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of revolving credit<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305059091 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The file is missing the Supplemental Consumer Information Form | 12/09/2025 client provided SCIF. | Condition satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of revolving credit<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305059032 | XXXXXX | XXXXXX | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D B | A | A C B D | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD dated 01/27/2026 reflect $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior liens, disclosure of the first lien taxes, insurance and assessments is required. | 02/09/2026 Client provided PCCD 02/06 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.40% below guideline requirement of 45% |
| 305059032 | XXXXXX | XXXXXX | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D B | A | A C B D | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD dated 01/27/2026 Loan Disclosure Escrow Account - Estimated property costs over 1 year reflects $0.00. | 02/09/2026 Client provided PCCD 02/06 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.40% below guideline requirement of 45% |
| 305059032 | XXXXXX | XXXXXX | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D B | A | A C B D | A | A C B | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Provide an estoppel letter closing the HELOC to future draws. | 2/6 Client provided payoff showing loan was closed to future draws | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.40% below guideline requirement of 45% |
| 305059032 | XXXXXX | XXXXXX | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D B | A | A C B D | A | A C B | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide the Supplemental Consumer Information Form | 2/9 Client provided the SCIF | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.40% below guideline requirement of 45% |
| 305059087 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 5.75 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 49.36% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 11.75 years |
| 305059093 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide the Supplemental Consumer Information Form | 1.20.2026 Client provided copy of supplemental consumer information form | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 29.56% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 82 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 19.75 years |
| 305059074 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Provide an estoppel letter closing the HELOC to future draws. | 1/13 Client provided the Final title showing the HELOC lien removed | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 60.96% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 35.97% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 10 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current jobs of 18.75 years and 9.83 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 30 years |
| 305089693 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 7.83 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 23 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 71.29% below guideline requirements of 90% |
| 305085732 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 796 > is above guideline minimum credit score 760. |
| 305059069 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing Lender's ATR determination. | 2/3 Client provided determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.41% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 17.5 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 6.5 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 22 years for B2<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 17 years |
| 305059069 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL5773 | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Provide 1st mortgage statement | 2.2.2026 Client provided copy of 1st mortgage statement | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.41% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 17.5 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 6.5 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 22 years for B2<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 17 years |
| 305059069 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3262 | Property issues indicated | No | The 1003 reflects that there is a mortgage with an address TBD and is showing a PITIA but there is no supporting docucmentation for this property to verify the PITIA. The property appears to be a condo or condotel in XXXXXX. Provide documentation to support the PITIA. The payment from the 1003 is included in the DTI. | 2/3 Client provided an LOX that the UW added a fictious payment as the borrower was considering buying another property with cash out; Response provide a corrected 1003/1008 with estimated REO removed 2.4.2026 Client provided updated 1003 with REO being removed | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.41% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 17.5 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 6.5 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 22 years for B2<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 17 years |
| 305059069 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR100 | Missing Appraisal | No | Provide appraisal | 2.2.2026 Client provided copy of subject appraisal dated XXXXXX with value of XXXXXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.41% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 17.5 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 6.5 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 22 years for B2<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 17 years |
| 305059069 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Missing appraisal, but no storms in the area since loan closing | 2.2.2026 Client provided copy of subject appraisal dated XXXXXX with value of XXXXXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.41% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 17.5 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 6.5 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 22 years for B2<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 17 years |
| 305085718 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A B C | A | A B | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations | 03/13/2026 Client provided the missing List of homeowners counseling organizations supported by the Disclosure dated 2/6. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 FICO exceeds guideline of 760.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.33 DTI below guideline of 45. |
| 305085718 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A B C | A | A B | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing a Mavent or Compliance Ease report showing the lender's ATR/QM status determination. | 3.12.2026 Client provided Mavent w/QM Safe Harbor status determination | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 FICO exceeds guideline of 760.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.33 DTI below guideline of 45. |
| 304973619 | XXXXXX | XXXXXX | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 852% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 mid score > min required of 700 |
| 305059086 | XXXXXX | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No | Provide the balance sheet for 2025YTD. | 1/28 client provided the balance sheet | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 85 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 35.69% below guideline requirements of 80%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 11.5 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 38.42% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 11.5 years |
| 305059094 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 64.85% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 23.08 years |
| 305059092 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A C B D | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 dated 11/21/2025 Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 01/08/2026 Client provided PCCD 1/6 with corrections. Condition remains for LOE to Borrower for changes. 01/09/2026 Client provided the LOE for changes. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 73.38% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history off 60 months exceeds guidelinesm of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 13.21% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 17.08 years |
| 305059092 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A C B D | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD dated 11/21/2025 reflects $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior liens, disclosure of the first lien taxes, insurance and assessments is required. | 01/08/2026 Client provided PCCD 1/6 with corrections. Condition remains for LOE to Borrower for changes. 01/09/2026 Client provided the LOE for changes. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 73.38% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history off 60 months exceeds guidelinesm of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 13.21% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 17.08 years |
| 305059092 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A C B D | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD dated 11/21/2025 Loan Disclosures- Escrow Account - Estimated property costs over 1 year reflects $0.00 | 01/08/2026 Client provided PCCD 1/6 with corrections. Condition remains for LOE to Borrower for changes. 01/09/2026 Client provided the LOE for changes. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 73.38% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history off 60 months exceeds guidelinesm of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 13.21% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 17.08 years |
| 305059092 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A C B D | A | A C B | Credit | Legal Documents | Satisfied D A | CRDLGL5773 | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Provide the 1st mtg REO mortgage statement. | 1.6.2026 Client provided copy of Truist #7686 1st mortgage statement | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 73.38% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history off 60 months exceeds guidelinesm of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 13.21% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 17.08 years |
| 305059046 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 71.14% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 74 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 9.5 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 18 years |
| 305059083 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 77.56% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 38.83% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 7.58 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 26.17 years |
| 305059045 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 47.31% below guideline requirements of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 33.23% below guideline requirement of 45%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 20 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 59 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14.5 years |
| 305059053 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 33 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 11.5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 62 months exceeds guidelines of 12 months |
| 305059051 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 14.5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 77.44% below guideline requirements of 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 16 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 58 months exceeds guidelines of 12 months |
| 305085743 | XXXXXX | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.80% below guideline requirement of 45%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 92 months exceeds guidelines of 12 months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 15 years |
| 305059073 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 68.88% below guideline requirements of 90%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 20 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 19.37% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 7.5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 64 months exceeds guidelines of 12 months |
| 305059072 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 78.23% below guideline requirements of 85%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 12 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.40% below guideline requirement of 45%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 74 months exceeds guidelines of 12 months |
| 305059066 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 58.81% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.73% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 26.7 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7 years |
| 305059062 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35% DTI is 10% below the maximum guideline requirement of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55% CLTV is 30% below the maximum guideline requirement of 85%. |
| 305059054 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing note and mortgage | 01/19/2026 Client provided missing, fully executed Deed of Trust and copy of Note | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 49.69% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months |
| 305059054 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing Mortgage | No | Provide copy of mortgage | 01/19/2026 Client provided missing, fully executed Deed of Trust. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 49.69% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months |
| 305059054 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Documentation | Satisfied D A | CMPDOC195 | Missing Note | No | Provide copy of Note | 01/19/2026 Client provided a copy of the missing, fully executed Note. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 49.69% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months |
| 305059054 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Right of Rescission | Satisfied B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Right of rescission is missing, please provide. | 01/19/2026 Client provide the missing H9 ROR form fully executed at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 49.69% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months |
| 305059054 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Right of Rescission | Satisfied D A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Right of Recission is missing, please provide. | 01/19/2026 Client provide the missing H9 ROR form fully executed at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 49.69% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months |
| 305059054 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Note | 01/19/2026 Client provided missing fully executed Note and Final CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 49.69% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months |
| 305059054 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Missing the signed final 1003 | 1.20.2026 Client provided copy of Final executed 1003 | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 49.69% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months |
| 305059067 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 42.74% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 4.75 years |
| 305089707 | XXXXXX | XXXXXX | XXXXXX | VT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | A | A D B C | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing the note | 2.19.2026 Client provided executed subject note | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 27.17 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 33.24% below guideline requirements of 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 38.5 years |
| 305089707 | XXXXXX | XXXXXX | XXXXXX | VT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | A | A D B C | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC195 | Missing Note | No | Missing Executed Note for the transaction dated 02/06/2026. | 2.19.2026 Client provided executed copy of subject Note | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 27.17 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 33.24% below guideline requirements of 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 38.5 years |
| 305089707 | XXXXXX | XXXXXX | XXXXXX | VT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | A | A D B C | A | A D | Credit | Credit/Mtg History | Waived C B | CRDCRMH148 | Credit report stale dated at closing | No | CBR was 91 days old at closing. | 2/20 Client provided a mortgage refresh credit supplement; Condition remains 3/20/2026 client provided an approved exception. | Upon further review by senior underwriter exception is deemed non-material. Credit report was only one day past guidelines and a credit supplement was provided. Final grade B. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 27.17 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 33.24% below guideline requirements of 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 38.5 years |
| 305089707 | XXXXXX | XXXXXX | XXXXXX | VT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | A | A D B C | A | A D | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | The effective date is 2/29/2026 and the disbursement date is 2/11/2026. T | 2.19.2026 Client provided copy of HOI policy effective 2.9.2025 - 2.9.2026 with disbursement date 2.11.2026; HOI policy in file have effective date of 2.29.2026; missing HOI policy from 2.9.2026 - 2.9.2027 Condition remains Note: policy provided at bottom have effective from 2.9.2025 - 2.9.20262/20 Client provided an Email, on review, Policy provided ends 2/9/26 New policy provided begins 2/29/26 Missing insurance in effect at day of funding 2/11/262/24 Client provided evidence the ploicy was in effect at funding | Satisfied | Not Applicable | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 27.17 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 33.24% below guideline requirements of 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 38.5 years |
| 305059060 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing Note to determine final DTI | 1/16/2026 Note was provided. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 18.08 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 55.66% below guideline requirements of 75%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.5 years |
| 305059060 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC195 | Missing Note | No | Provide copy of Note | 01/16/2026 Client provided missing Note, fully executed at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 18.08 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 55.66% below guideline requirements of 75%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.5 years |
| 305059060 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Note | 01/16/2026 Client provided missing Note, fully executed at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 18.08 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 55.66% below guideline requirements of 75%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.5 years |
| 305059063 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing the note. Need it to calculate final DTI. | 01/20/2026 Client provided missing, fully executed Note. | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 52 months exceeds guidelines of 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 10.25 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 6.75 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 62.29% below guideline requirements of 80%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 5.5 years |
| 305059063 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC195 | Missing Note | No | Provide copy of Note. | 01/20/2026 Client provided missing, fully executed Note. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 52 months exceeds guidelines of 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 10.25 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 6.75 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 62.29% below guideline requirements of 80%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 5.5 years |
| 305059063 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Note | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 52 months exceeds guidelines of 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 10.25 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 6.75 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 62.29% below guideline requirements of 80%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 5.5 years |
| 305059057 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.38% below guideline requirement of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 48.58% below guideline requirements of 85%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 8.75 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6.75 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 21 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 10.5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 64 months exceeds guidelines of 12 months |
| 305059039 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 24 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.05% below guideline requirement of 45%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 68.17% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 58 months exceeds guidelines of 12 months |
| 305085742 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Credit | Title | Satisfied C A | CRDTIL100 | Potential title issue | No | Missing verification that title Schedule B Part II items #8-10 were removed prior to or at closing. | 3/13 client provided Email Title Solar leases are UCC 1s not clouding title | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 FICO exceeds guideline of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years at current residence. |
| 305085742 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | The property type on the exterior property inspection needs to be corrected from condo to SFR. | 3/13 Client provided a corrected PCI | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 FICO exceeds guideline of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years at current residence. |
| 305059038 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 9.33 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 22.5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 46.59% below guideline requirements of 85%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 26.17 years |
| 305085728 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 10 years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |
| 305085731 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of 02/23/2026. | 03/06/2026 Client provided a collaborate comment: Initial CD was included in the original upload on pages 319-323/607. Please note that the date issued on page 1 was incorrectly entered as the closing date. The timestamp on the bottom of the disclosure of 2/17 is the correct indicator for when the disclosure was sent. Additionally, borrower signatures dated 2/17 on page 5 and disclosure tracking summary (on 298) supports that this was the disclosure sent on 2/17. Supported by Disclosure tracking in file dated 2/17 reflecting Finance charge matching CD 2/23 that is e-signed 2/17 by both and figures are a duplicate of Final CD 2/23 signed at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 30 years at current residence |
| 305085731 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Provide Initial CD | 03/06/2026 Client provided a collaborate comment: Initial CD was included in the original upload on pages 319-323/607. Please note that the date issued on page 1 was incorrectly entered as the closing date. The timestamp on the bottom of the disclosure of 2/17 is the correct indicator for when the disclosure was sent. Additionally, borrower signatures dated 2/17 on page 5 and disclosure tracking summary (on 298) supports that this was the disclosure sent on 2/17. Supported by Disclosure tracking in file dated 2/17 reflecting Finance charge matching CD 2/23 that is e-signed 2/17 by both and figures are a duplicate of Final CD 2/23 signed at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 30 years at current residence |
| 305085731 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Legal Documents | Satisfied D A | CRDLGL5773 | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Missing the 1st lien mortgage statement required by the guidelines | 3.13.2026 Client provided BOA bank statements however initial condition is for missing 1st lien mortgage statement. condition remains 3/22 Client provided the 1st mtg statement | Satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 30 years at current residence |
| 305085726 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 22 years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305059041 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 33.65% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 25.7 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 11.92 years |
| 305089708 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 23 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 46 month mortgage payment history exceeds the 12 month minimum guideline requirement by 32 months |
| 305089701 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 57 month mortgage payment history exceeds the 12 month minimum guideline requirement by 45 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 8 years and 4 months. |
| 305085717 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 35 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.68% max per guidelines is 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 8 years. |
| 305089704 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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's dated 03/09/2026 and 03/16/2026- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 03/26/26 Client provided corrected PCD 3/26/26. Disclosure was tested with no issue however LOE to the borrower and proof of shipping is missing. Condition remains. 03/26/26 Client provided LOE and email tracking. Condition satisfied | 03/26/26 Condition satisfied | Non-Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 10 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 18.18% below guideline requirement of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 43.63% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 65 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.5 years |
| 305089704 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated 03/09/2026 and 03/16/2026 reflect $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior liens, disclosure of the first lien taxes, insurance and assessments is required. | 03/26/26 Client provided corrected PCD 3/26/26. Disclosure was tested with no issue however LOE to the borrower and proof of shipping is missing. Condition remains. 03/26/26 Client provided LOE and email tracking. Condition satisfied | 03/26/26 Condition satisfied | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 10 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 18.18% below guideline requirement of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 43.63% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 65 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.5 years |
| 305089704 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated 03/09/2026 and 03/16/2026- Loan Disclosures- Escrow Account; Estimated property cost over 1 year reflects $0.00. | 03/26/26 Client provided corrected PCD 3/26/26. Disclosure was tested with no issue however LOE to the borrower and proof of shipping is missing. Condition remains. 03/26/26 Client provided LOE and email tracking. Condition satisfied | 03/26/26 Condition satisfied | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 10 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 18.18% below guideline requirement of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 43.63% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 65 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.5 years |
| 305085713 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 59.40% below guideline requirements of 80% |
| 305085702 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.91 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 814 FICO exceeds guideline of 760. |
| 305085721 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 19 years at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 19 years at current job |
| 305085720 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.70% max per guidelines is 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 6 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 78.49% max per guidelines is 85%. |
| 305089698 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 44.84% below guideline requirements of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 33.90% below guideline requirement of 45%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 14 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7.75 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months |
| 305089699 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6.5 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 22 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7.5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 77 months exceeds guidelines of 12 months |
| 305085711 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective date of 3/6/2026 is greater than the transaction date of 2/23/2026. | 3.9.2026 Client provided prior HOI policy 3.6.2025 - 2026 (refinance transaction) | Condition satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.10 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 FICO exceeds guideline of 660. |
| 305085711 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL100 | Potential title issue | No | Missing proof that the mortgage under title B-1 item #7 has been removed. Item #8 is the current first mortgage. | 3.9.2026 Client provided updated Title commitment with removal #7; only current first mortgage now reflected on updated title | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.10 DTI below guideline of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 FICO exceeds guideline of 660. |
| 305085714 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 30 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 9.5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 60.83% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 50 months exceeds guidelines of 12 months |
| 305085710 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.87% max per guidelines is 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 10 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.90% max per guidelines is 45%. |
| 305085705 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.60% below guideline requirement of 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 38 months exceeds guidelines of 12 months |
| 305089695 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR100 | Missing Appraisal | No | Provide valuation for the subject property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 27.24% below guideline requirement of 45%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 56 months exceeds guidelines of 12 months |
| 305089695 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Missing appraisal | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 27.24% below guideline requirement of 45%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 56 months exceeds guidelines of 12 months |
| 305089690 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower's have lived at current residence for 14 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99 month mortgage payment history exceeds the 12 month minimum guideline requirement by 87 months. |
| 305089688 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 715 > is above guideline minimum credit score 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 8 years. |
| 305085737 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A C D | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof initial CD was received by borrower 3 days before consummation date of 02/09/2026. | 03/04/2026 Client provided missing Initial CD 2/5 e-signed by both on 2/5. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69.90% below guideline requirements of 90%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 15 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.64% below guideline requirement of 45% |
| 305085737 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A C D | A | A C | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Provide an estoppel letter closing the HELOC to future draws. | 2/24 Client provided the payoff quote; provide the signed Auth to close the account to future draws as referenced on payoff 2/25 Client provided the closure letter | SAtisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69.90% below guideline requirements of 90%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 15 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.64% below guideline requirement of 45% |
| 305085737 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A C D | A | A C | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Provide copy of Title | (No Data) | satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69.90% below guideline requirements of 90%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 15 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.64% below guideline requirement of 45% |
| 305085719 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Provide an estoppel letter closing the HELOC to future draws. | 3.25.2026 Client provided executed by Borrower's requesting closure of HELOC w/Trustone Financial | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 6.5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 50.92% below guideline requirements of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 20.07% below guideline requirement of 45% |
| 305089703 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | All CD's- Loan Disclosures - Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 03/27/2026 Client provided a Duplicate CD with correction. Condition remains for LOE to Borrower for change. 03/31/2026 Client provided PCCD 3/27 with change and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 45.86% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 15.5 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 18.25 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months. |
| 305089703 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | All CD's reflect $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior liens, disclosure of the first lien taxes, insurance and assessments is required. | 03/27/2026 Client provided a duplicate of CD 3/17, no correction has been made. It is proper to disclose the Taxes, Assessments and Insurance amounts, page 1, in Projected Payments on a junior lien just as you would on the first lien; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs on the junior lien. Condition remains. Provide corrected PCCD with LOE to Borrower for change. 03/31/2026 Client provided PCCD 03/27 with change and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 45.86% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 15.5 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 18.25 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months. |
| 305089703 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | All CD's- Loan Disclosures- Escrow Account- Estimated property costs over 1 year reflect $0.00. | 03/27/2026 Client provided a duplicate of CD 3/17, no correction has been made. It is proper to disclose the Taxes, Assessments and Insurance amounts, page 1, in Projected Payments on a junior lien just as you would on the first lien; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs on the junior lien. Condition remains. Provide corrected PCCD with LOE to Borrower for change. 03/31/2026 Client provided PCCD 03/27 with change and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 45.86% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 15.5 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 18.25 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months. |
| 305085735 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 dated 2/23/2026 Loan Disclosures; Escrow Account - neither of You declined it and/or Your lender does not offer one are selected | 03/04/2026 Client requested clarification: It is proper to disclose the Taxes, Assessments and Insurance amounts in ProjectedPayments on a junior lien just as you would on the first lien, with NO chosen for "in escrow"; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs over 1 year on the junior lien. Provide corrected PCCD with escrow information on pages 1 and 4 as non-escrowed with LOE to Borrower.03/09/2026 Client provided PCCD 3/6 with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 50%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 10 years at current job |
| 305085735 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD dated 2/23/2026 reflect $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior liens, disclosure of the first lien taxes, insurance and assessments is required. | 03/04/2026 Client requested clarification: It is proper to disclose the Taxes, Assessments and Insurance amounts in ProjectedPayments on a junior lien just as you would on the first lien, with NO chosen for "in escrow"; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs over 1 year on the junior lien. Provide corrected PCCD with escrow information on pages 1 and 4 as non-escrowed with LOE to Borrower.03/09/2026 Client provided PCCD 3/6 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 50%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 10 years at current job |
| 305085735 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD dated 02/23/2026 Loan Disclosure; Escrow account - Estimated property costs over 1 year reflects $0.00 | 03/04/2026 Client requested clarification: It is proper to disclose the Taxes, Assessments and Insurance amounts in ProjectedPayments on a junior lien just as you would on the first lien, with NO chosen for "in escrow"; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs over 1 year on the junior lien. Provide corrected PCCD with escrow information on pages 1 and 4 as non-escrowed with LOE to Borrower.03/09/2026 Client provided PCCD 3/6 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 50%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 10 years at current job |
| 305089691 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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's dated 03/03/2026 and 03/11/2026- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 03/25/2026 Client provided PCCD 3/24 with correction. Condition remains for LOE to Borrower for changes. 03/26/26 Client provided LOE to the borrower. Condition satisfied | 03/26/26 Condition satisfied | Non-Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 61 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 32 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.17% below guideline requirement of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 57.92% below guideline requirements of 75% |
| 305089691 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated 03/03/2026 and 03/11/2026 reflect $0 for Estimated Taxes, Insurance & Assessments in the Projected Payments section. For junior liens, disclosure of the first lien Taxes, Insurance & Assessments is required. | 03/25/2026 Client provided PCCD 3/24 with correction. Condition remains for LOE to Borrower for changes. 03/26/26 Client provided LOE to the borrower. Condition satisfied | 03/26/26 Condition satisfied | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 61 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 32 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.17% below guideline requirement of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 57.92% below guideline requirements of 75% |
| 305089691 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated 03/03/2026 and 03/11/2026- Loan Disclosures- Escrow Account- Estimated Property Costs Over Year 1 reflects $0. | 03/25/2026 Client provided PCCD 3/24 with correction. Condition remains for LOE to Borrower for changes. 03/26/26 Client provided LOE to the borrower. Condition satisfied | 03/26/26 Condition satisfied | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 61 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 32 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.17% below guideline requirement of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 57.92% below guideline requirements of 75% |
| 305089689 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A C B D | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | All CD's- Loan Disclosures - Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 03/24/2026 Client provided PCCD 3/23 with correction. Condition remains for LOE to Borrower for changes. 03/26/26 Client provided LOE to the borrower. Condition satisfied | 03/26/26 Condition satisfied | Non-Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 59 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 46.42% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7.92 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 9 years |
| 305089689 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A C B D | A | A C B | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Provide an estoppel letter clsoing the HELOC to future draws. | 3.26.2026 Client provided executed by borrower requesting closure of HELOC w/Mountain America C.U. | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 59 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 46.42% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7.92 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 9 years |
| 305059034 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 dated 01/13/2026 Loan Disclosures - Escrow Account Section; Will not have an escrow account because you declined it or your lender does not offer one. A selection was not made. Provide corrected PCCD with LOE to the Borrower. | 01/28/2026 Client provided PCCD 1/27 with corrections. Condition remains for LOE to Borrower for changes. 02/03/2026 Client provided the LOE to the Borrower for changes. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% CLTV is 25% below the maximum guideline requirements of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 credit score exceeds the 680 minimum guideline requirement by 55 points. |
| 305085740 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | A C B D | D | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero Tolerance Fee of $18.50 due to Transfer Taxes increased on the Final CD dated 02/13/2026. Missing a valid Change of Circumstance or Post Close CD, LOX and copy of refund check to borrower. | 03/06/2026 Client provided PCCD 3/5 with cure, copy of cure check and LOE to Borrower. Condition remains for evidence of shipment to Borrower. 03/12/2026 Client provided duplicates of PCCD 3/5, LOE and refund check. Also provided in transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 27 years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305085740 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | A C B D | D | A C B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR100 | Missing Appraisal | No | Missing an AVM and a Property Condition Inspection | 3.5.2026 Client provided LOX upload document asking reason for AVM vs appraisal which is showing as is. Response, appears we are missing the appraisal from loan file. Condition remains for the appraisal vs AVM 3.11.2026 Client provided lender full appraisal report dated XXXXXX with value of XXXXXX however file is missing lender 1008 for LTV/CLTV calculation, condition remains for lender 1008 to be reviewed with this appraisal condition 3.12.2026 Client provided 1008 and full appraisal dated XXXXXX with value of XXXXXX | condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 27 years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305085740 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | A C B D | D | A C B | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Missing an AVM and a Property Condition Inspection report | 3.12.2026 Client provided 1008 and full appraisal datedXXXXXX6 with value of XXXXXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 27 years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history |
| 305059055 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Provide an estoppel letter closing the HELOC to future draws | 1.28.2026 Client provided executed by borrower requesting closure of HELOC w/National Bank of Az | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.08 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 10.17 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 78.85% below guideline requirements of 85% |
| 305085722 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing lender ATR/QM determination. | 3.13.2026 Client provided Compliance EAGLE Mavent Review Summary w/QM Safe Harbor status determination | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 41.48% max per guidelines is 80%. |
| 304817587 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors C B | N/A | N/A C B | N/A | N/A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to High price threshold (Test rate 10.503 Benchmark rate 6.630 Variance 3.873 Rate spread trigger is 3.5). | 2.9.26 Client response; We accept the determination on this and please clear the exception.Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | Clayton memo; exception satisfied | (No Data) | Not Applicable | (No Data) |
| 304817587 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors C B | N/A | N/A C B | N/A | N/A C | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to NoNQM status based upon Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | (No Data) |
| 304843370 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance.APR on CD 11/13/25 is 9.203%. APR on final CD 1/12/16 is 9.430%. The difference of 0.23% is greater than the allowable 0.125%. Discount points increased on final CD 1/12/16 drove finance charges up causing the increase in the APR. Borrower is required to have 3 business days when increase in APR is greater than 0.125%. | 2.24.2026 Lender provided initial CD | 2.24.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 9 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 89.78% / Max LTV 90%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 44 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 757 exceeds min score requirement of 740. |
| 304858251 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 20 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.23% DTI is below the 50% max. |
| 304870488 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | The total fees and points equal $3,921.54 or 6.058%, the maximum equals $3,236.65 or 5.0% for a difference of $684.89 or 1.058%. Per Loan Detail Report, Affiliate fees have been excluded. Also, missing the Undiscounted Rate to Bona Fide the discount points. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| 304870488 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 1.9.2026 Lender provided initial CD | 1.12.2026 Exception Satisfied | (No Data) | Not Applicable | (No Data) |
| 304870488 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof initial CD was received by borrower 3 days before consummation date of 12/08/2025. Missing CD's dated 11/15/2025, 11/26/2025, and 12/03/2025 per the Current Change Circumstance. | 1.9.2026 Lender provided missing initial CD | 1.12.26 exception satisfied | (No Data) | Not Applicable | (No Data) |
| 304875980 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide Initial CD with proof of receipt at least 3 business days prior to closing. | 1.9.2026 Lender provided initial CD | 1.12.26 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 qual score; min 720.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 55mo. 0x30 mortgage payment history; 0x30x12 required. |
| 304875980 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | MProvide Initial CD with proof of receipt at least 3 business days prior to closing. | 1.9.2026 Lender provided initial CD | 1.12.26 Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 qual score; min 720.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 55mo. 0x30 mortgage payment history; 0x30x12 required. |
| 304875980 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Provide CD issued within 3 business days of COC in file date 10/30/2025 at 12:05pm due to Appraisal fee added in the amount of $850. | 2.3.2026 - COC and missing CDs received | 2.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 qual score; min 720.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 55mo. 0x30 mortgage payment history; 0x30x12 required. |
| 304889379 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, employed at company for 15 yrs, 4 mos.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 22% is lower than max of 50% per product guidelines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 60.63% is lower than max of 90% per product guidelines. |
| 304889576 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3952 | TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established | No | CD 12/09 and CD 12/12 list no escrows, but property taxes are indicated as being 'in escrow' on page 1 of CD. Page 4 says no escrow account is established. Disclosed monthly payment and settlement charges do not appear to be impacted by the error. | 1.21.26-Client provided PCCD issued 1/16/26 reflecting no escrows held. Satisfied. | 1.21.26-Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 69.261% below program maximum 80.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 2 mos. 0x30 and 41 mos. 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 49 years 10 months at current job. |
| 304889576 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3656 | TRID - CD: Post Consummation Disclosure required due to a Non-numeric Clerical Error | No | CD 12/09 and CD 12/12 list no escrows, but property taxes are indicated as being 'in escrow' on page 1 of CD. Page 4 says no escrow account is established. Disclosed monthly payment and settlement charges do not appear to be impacted by the error. | 1.21.26-Client provided PCCD issued 1/16/26. Satisfied. | 1.21.26- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 69.261% below program maximum 80.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 2 mos. 0x30 and 41 mos. 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 49 years 10 months at current job. |
| 304893502 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.16% CLTV < max permitted of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.55% is below the guideline maximum of 50%. |
| 304893899 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $8,77.44 max allowed is $8,353.15; $24.29 to high). | 2.19.2026 Lender sent breakdown of fees | 2.19.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 42.28% CLTV with a 75% max CLTV. |
| 304893899 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Second mortgage reporting over 30 days past due according to statement in file. (0x30 required within last 24 months.)Need written and signed credit explanation for derogatory credit within the past 24 months. | 2/19/2026 Received pre-close credit report. With pre-close reports and other documentation in file can determine no lates. | 2/19/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 42.28% CLTV with a 75% max CLTV. |
| 304896367 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing YTD P&L/Balance Sheet to validate B1 self-employment Sched C income. | 1/30/202026 Received 2025 YTD P&L and rebuttal Balance Sheet not required. P&L supports earnings used to qualify. Disagree with rebuttal balance sheet not required due to Schedule C filing. Per guidelines when loan closed as Stand-Alone second and borrower is self-employed Balance Sheet is required when closing date is beyond 90 days from the end of the last fiscal year. Loan closing was > 90 days from end of last fiscal year. 2/23/2026 Received 2025 YTD and Balance Sheet.2/19/2026 Received 2025 YTD Balance Sheet. | 1/30/2026 Request for P&L satisfied. Exception remains for 2025 YTD Balance sheet.2/19/2026 Balance sheet received. Exception satisfied.2/23/2026 Exception was satisfied on 1/30/2026 for P&L and 2/19/2026 for Balance Sheet. Nothing further required. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 56mo. 0x30 mortgage payment history; 0x30x12 required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed in the same profession for 20 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has been in the same profession for 10 years. |
| 304896367 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing B1 YTD P&L; required by XXXXXX guides. | 1/30/2026 Received 2025 YTD P&L. P&L supports earnings used to qualify.2/23/2026 Received 2025 YTD P&L. | 1/30/2026 Exception satisfied.2/23/2026 Exception was satisfied on 1/30/2026. Nothing further required. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 56mo. 0x30 mortgage payment history; 0x30x12 required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed in the same profession for 20 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has been in the same profession for 10 years. |
| 304896367 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Income/Employment | Satisfied D A | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No | Missing B1 YTD Balance Sheet; required by XXXXXX guides which note tax return for prior year is not a substitute for balance sheet.. | 1/30/202026 Received rebuttal Balance Sheet not required. Disagree with rebuttal balance sheet not required due to Schedule C filing. Per guidelines when loan closed as Stand-Alone second and borrower is self-employed Balance Sheet is required when closing date is beyond 90 days from the end of the last fiscal year. Loan closing was > 90 days from end of last fiscal year. 2/19/2026 Received 2025 YTD Balance Sheet.2/23/2026 Received 2025 YTD Balance Sheet. | 1/30/2026 Exception remains.2/19/2026 Exception satisfied.2/23/2026 Exception was satisfied on 2/19/2026. Nothing further required. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 56mo. 0x30 mortgage payment history; 0x30x12 required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed in the same profession for 20 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has been in the same profession for 10 years. |
| 304896424 | XXXXXX | XXXXXX | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 92 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 695 mid score > min required of 680 |
| 304898854 | XXXXXX | XXXXXX | XXXXXX | WV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6.5 years |
| 304898855 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Benefit To Borrower: Paid off $99,560.00 in consumer debt and a previous HELOC which removed $2,351.00 from the monthly debt - $1,055.28 HELOC PI = $1,295.72 net monthly debt savings.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 75% and Guidelines allow the HCLTV to be 85% |
| 304898924 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 73.42% / Max LTV 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 12 YEARS.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 99 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 35 YEARS.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 688 exceeds min score requirement of 680. |
| 304899137 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.97% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.74% is below the guideline maximum of 50%. |
| 304903209 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date is 12/29/25; disbursement date per Final CD in file is 12/29/25. Non Borrowing Title Holder XXXXXX did not receive full mandatory rescission period prior to disbursement of funds Requires corrected PCCD, LOX, re-open of rescission-copy of shipping. | 2.5.2026 Lender sent ledger , Exception Remains2.23.2026 Lender sent ROR revised. | 2.5.2026 Exception Remains 2.23.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 797 exceeds min score requirement of 720.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 77.78% / Max LTV 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 7 years. |
| 304903217 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Per Loan Detail Report 12/12/2025, loan QM is Safe Harbor. Clayton verified non-=QM due to fees exceeding 3%, after Bonafide fee. | 2.4.26 Client response; We accept the determination on this and please clear the exception.2.4.26 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 2.4.26 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have significant time at current residence, 18 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has significant time in the same profession, 8 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 9/1994, reporting 0x30<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: credit reflects 0x30x146 mortgage payment history, since 9/20/2013; guideline require a minimum 0x30 in the last 24 months |
| 304903217 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Only CD in file is dated 12/12/25 and signed 12/13/25. Please provide initial CD dated 3 days prior to consummation date of 12/13/25. | 1.15.2026 Lender provided missing CD | 1.16.2025Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have significant time at current residence, 18 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has significant time in the same profession, 8 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 9/1994, reporting 0x30<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: credit reflects 0x30x146 mortgage payment history, since 9/20/2013; guideline require a minimum 0x30 in the last 24 months |
| 304903217 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Only CD in file is dated 12/12/25 and signed 12/13/25. Please provide initial CD dated 3 days prior to consummation date of 12/13/25. | 1.15.2026 Lender provided missing CD | 1.16.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have significant time at current residence, 18 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has significant time in the same profession, 8 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 9/1994, reporting 0x30<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: credit reflects 0x30x146 mortgage payment history, since 9/20/2013; guideline require a minimum 0x30 in the last 24 months |
| 304903217 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing Initial CD. | 1.15.2026 Lender provided missing CD | 1.16.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have significant time at current residence, 18 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has significant time in the same profession, 8 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 9/1994, reporting 0x30<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: credit reflects 0x30x146 mortgage payment history, since 9/20/2013; guideline require a minimum 0x30 in the last 24 months |
| 304903217 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to Non-Qm status based upon Clayton review | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have significant time at current residence, 18 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has significant time in the same profession, 8 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 9/1994, reporting 0x30<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: credit reflects 0x30x146 mortgage payment history, since 9/20/2013; guideline require a minimum 0x30 in the last 24 months |
| 304903217 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | File contains HO6 only. Missing proof of condo insurance with adequate coverage amount. | 1/16/2026 Received evidence of master condo insurance policy. Supports sufficient coverage. | 1/16/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have significant time at current residence, 18 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has significant time in the same profession, 8 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 9/1994, reporting 0x30<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: credit reflects 0x30x146 mortgage payment history, since 9/20/2013; guideline require a minimum 0x30 in the last 24 months |
| 304903217 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | File contains HO6 only. Missing condo master policy. Provide complete insurance document. | 1/16/2026 Received evidence of master condo insurance policy. Supports sufficient coverage. | 1/16/2026 Exception satiisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have significant time at current residence, 18 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has significant time in the same profession, 8 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 9/1994, reporting 0x30<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: credit reflects 0x30x146 mortgage payment history, since 9/20/2013; guideline require a minimum 0x30 in the last 24 months |
| 304903247 | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have49 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.14% CLTV < max permitted of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 mid score > min required of 700 |
| 304904054 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A C B D | N/A | N/A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date of 01/02/2026; disbursement date per Final CD indicate loan disbursed date of 12/30/2025. Borrower did not receive full mandatory rescission period prior to disbursement of funds. | 2.17.2026 Lender provided PCCD with disbursement date 1/5/2026 | 2.18.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.40% CLTV < max permitted of 80%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been self-employed for 15 years. |
| 304904054 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A C B D | N/A | N/A C B | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing K-1's for XXXXXX for XXXXXX for tax years 2024 and 2023. Provide K-1's which is required to complete cash flow analysis. If the K-1 is in the name of a business, provide sufficient evidence that the borrower owns said business. | 2/19/2026 Received income documents. Earnings used to qualify supported. | 2/19/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.40% CLTV < max permitted of 80%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been self-employed for 15 years. |
| 304904061 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 fico score exceeds guidelines 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 47% DTI max DTI 50% |
| 304904279 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance fail for $166.92 due to addition of discount point per final CD 1/7/26. No documentation provided disclosing addition of fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 2.13.2026 lender provided COC for increase | 2.13.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.83% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 score with a 740 minimum required for 90% CLTV. |
| 304904497 | XXXXXX | XXXXXX | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing business returns and K-1's for XXXXXX | 2/9/2026 Received rebuttal XXXXXX flow attached toXXXXXX Review of the file agrees with that however there should be a business return for XXXXXX as it's an LLC with an assigned EIN number. There is no documentation in file to determine that the borrower is 100% owner of XXXXXX. In order to allow the earnings reported to XXXXXX on K1 must have proof borrowers ownership and at what percentage.2/11/2025 Received CPA letter that clarifies why XXXXXX has no business returns supplied. | 2/9/2026 Exception remains.2/11/2026 Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| 304904596 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | Federal Higher-Priced | Satisfied C A | CMPFDHP2948 | Federal Higher-priced mortgage loan - Appraisal does not meet HPML standards | No | Loan approved with AVM - Property inspection report in file | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 61 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0 x 30 in 90 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.11% CLTV < max permitted of 90% |
| 304904596 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | Federal Higher-Priced | Satisfied C A | CMPFDHP2952 | Federal Higher-priced mortgage loan - Appraisal disclosure not in file | No | Loan approved with AVM - Property inspection report in file | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 61 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0 x 30 in 90 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.11% CLTV < max permitted of 90% |
| 304904596 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | Section 32 | Satisfied C A | CMPS32371 | Section 32 Loan per Points and Fees Test | No | The total fees and points equal $4,138.48 or 6.312%, the maximum equals $3,278.15 or 5.0% for a difference of $860.33 or 1.312%.- Provide loan detail report (LDR) inclusive of affiliate fees in testing for second review. Please also clarify is discount fee is bonafide/ excluded from testing.CN-1798 | 02/02/2026- Client provided the Ownership Change for 20/20 Title. They are no longer an affiliate. | 02/02/2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 61 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0 x 30 in 90 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.11% CLTV < max permitted of 90% |
| 304904596 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide initial CD with proof of receipt at least 3 business days prior to closing. | 1.21.2026 - Initial CD and interim CDs received. | 1.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 61 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0 x 30 in 90 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.11% CLTV < max permitted of 90% |
| 304904596 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide initial CD with proof of receipt at least 3 business days prior to closing. Provide CDs issued-11/20/2025 and 12/09/2025 per the Current Change Circumstance | 1.21.2026 - Initial CD and interim CDs received. | 1.21.2026 - Exception satisifed | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 61 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0 x 30 in 90 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.11% CLTV < max permitted of 90% |
| 304905040 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR in file is signed by the borrowers on 01/05/2026 with an expiration date of 01/08/2026. Per Final CD dated 01/02/2026, Disbursement date is 01/07/2026. Disbursement date is before end of statutory rescission period | 2.17.2026 Lender provided revised CD with disbursement date 01/09/2026 | 2.18.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 mid score > min required of 720<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have61 months mortgage payment history 0x30. |
| 304905062 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date is 12/29/25; disbursement date per Disbursement Statement in file is 12/29/25. Borrower did not receive full mandatory rescission period prior to disbursement of funds Requires corrected PCCD, LOX, re-open of rescission-copy of shipping. | 2.17.2026 Lender provided correct Disbursement date | 2.17.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 117 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 704 is 24 points above minimum program requirement of 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 45 months mortgage payment history 0x30. |
| 304905064 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% CLTV < max permitted of 85%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 19 years. |
| 304905069 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD. | 1.27.2026 Lender provided PCCD 12.11.2025 , Exception Remains 3.11.2026 Lender provided initial CD | 1.27.2026 Exception Remains3.12.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 55.1 is below the maximum allowable of 90<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of168 months exceeds the required 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of748 is above the required 720 |
| 304905069 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD. | 1.27.2026 Lender provided PCCD 12.11.2025 , Exception Remains 3.11.2026 Lender provided initial CD | 1.27.2025 Exception Remains 3.12.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 55.1 is below the maximum allowable of 90<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of168 months exceeds the required 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of748 is above the required 720 |
| 304905069 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD. | 1.27.2026 Lender provided PCCD 12.11.2025 , Exception Remains 3.11.2026 Lender provided initial CD | 1.27.2026 Exception Remains3.12.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 55.1 is below the maximum allowable of 90<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of168 months exceeds the required 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of748 is above the required 720 |
| 304905149 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments over 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO midscore of 749 exceeds minimum of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71% is below maximum of 90% allowed by guidelines. |
| 304905179 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date (12/29/2025) is before end of statutory rescission period 12/31/2025. Provide LOX, proof of delivery, and New NORTCs to all entitled to rescind to re-open rescission (2 for each recipient). Within 60 days of discovery. | 2.4.2026 Lender provided PCCD date 1.20 that corrects the disbursement date to 1.5.2026 | 2.5.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.75 is below the minimum program requirements of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 5.17/23.57% LTV/CLTV for Subject Property is below guideline max LTV/CLTV of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 mid score > min required of 680 |
| 304907074 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 1.15.2026 - Initial CD received | 1.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 5/2000, reporting 0x30<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has a satisfactory mortgage history reporting since 3/30/2021 with no related occurrences during the past two years |
| 304907074 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD dated 12/03/2025. Need proof initial CD was received by borrower 3 days before consummation date of 12/13/2025. | 1.15.2026 - Initial CD received | 1.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 5/2000, reporting 0x30<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has a satisfactory mortgage history reporting since 3/30/2021 with no related occurrences during the past two years |
| 304907074 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | N/A | N/A C | N/A | N/A C | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing lender's ATR/QM determination. | 3/9/2026 Received rebuttal from client with calculations supporting Non-QM: Lender documented all factors | 3/9/2026 Exception cancelled | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 5/2000, reporting 0x30<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has a satisfactory mortgage history reporting since 3/30/2021 with no related occurrences during the past two years |
| 304908560 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing fully executed HELOC closure letter for XXXXXX. HELOC closure letter signed in file does not identify who the letter should be addressed to or the loan number that is relates to. | 1/23/2026 Received fully executed HELOC closure letter for Travis CU. | 1/23/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 742/minimum 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Good mortgage history with no derogatory events<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 19.97%/ 70.11 CLTV /maximum 90% |
| 304908560 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing fully executed HELOC closure letter for XXXXXX. HELOC closure letter signed in file does not identify who the letter should be addressed to or the loan number that is relates to. | 1/23/2026 Received fully executed HELOC closure letter for XXXXXX | 1/23/202 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 742/minimum 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Good mortgage history with no derogatory events<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 19.97%/ 70.11 CLTV /maximum 90% |
| 304908594 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 12/12/2025. | 1.21.2026 - Initial CD and interim CDs received. | 1.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72% LTV-Max is 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x84 months > min required of 0x30 x12 months |
| 304908594 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 12/12/2025.Missing CD's dated 12/05/2025 and 12/09/2025 per the Current Change Circumstance. | 1.21.2026 - Initial CD and interim CDs received. | 1.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72% LTV-Max is 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x84 months > min required of 0x30 x12 months |
| 304908594 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $75.00 for zero tolerance fees.A Title Travel Fee was added to the CD dated 12/11/2025 and was paid to the Affiliate. | 1.21.2026 - Initial CD and interim CDs received. | 1.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72% LTV-Max is 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x84 months > min required of 0x30 x12 months |
| 304909076 | XXXXXX | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A B | Compliance | TILA | Active B | CMPTILA4787 | TILA - Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. | No | Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No mortgage lates on credit report.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years job. |
| 304909100 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | Recurring paystub Loan of $312.33/semi-monthly noted on paystubs but not addressed. | 2/23/2026 Received rebuttal indicating loan is from 401k. Re-review of the pay stub indicates there are two loan deductions. First is clearly indicated as 401k loan with semi-monthly deduction of $25.00, this is not the loan in question. The second deduction of $313.33 semi-monthly is only identified as Loan. Either need verification this is a 2nd loan against 401k or provide evidence of remaining balance to support omitting payment from DTI calculation. Inclusion of payment increases DTI to 57.42% which is over 50% max allowed.2/23/2026 Received document stating it indicates loan is against 401k however the document provided does not provide who is the lender or verify it's a 401k loan. There is only a contract # and there are no asset statements in file to connect that # to a 401k.2/25/2026 Received documentation to support the pay stub payment of $312.33 is linked to 401k and can be excluded. With exclusion DTI resolved. | 2/23/2026 Exception remains.2/23/2026 Exception remains.2/25/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1has been employed for 22yrs,8 mos.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 31.16% is lower than max LTV allowed of 75%. |
| 304909521 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | N/A | N/A D C | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Reviewer unable to determine if loan meets Lender guidelines for 2nd mortgage. Guidelines provided are for 1st mortgage liens. | 1/23/2026 Received lender guidelines. Reviewed file and determine loan does meet requirements for fixed CES 2nd. | 1/23/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer more than 20 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been with current employer more than 20 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 61 mos. 0x30. |
| 304909521 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | N/A | N/A D C | N/A | N/A D | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Reviewer unable to determine if loan meets Lender guidelines for 2nd mortgage. Guidelines provided are for 1st mortgage liens. | 1/23/2026 Received lender guidelines. Reviewed file and determine loan does meet requirements for fixed CES 2nd. | 1/23/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer more than 20 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been with current employer more than 20 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 61 mos. 0x30. |
| 304909640 | XXXXXX | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.20% CLTV < max permitted of 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.51% is below the guideline maximum of 50%. |
| 304909721 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing most recent two-years W2's or 2 yrs. Wage transcripts or Written VOE with full two-years history as required by guidelines. | 2/17/2026 Received pay stubs and VVOE. Pay stubs and VVOE were already in file. Guidelines request most recent 2 yrs W2's, 2 yrs. Wage transcripts or a Written VOE with a full two year earnings history. Pay stubs and VVOE do not meet that requirement.2/18/2026 Rebuttal received indicate need to follow AUS requirements. Disagree with rebuttal. Guidelines indicate that when an AUS is present and must meet all requirements of the guidelines when AUS not present. There is no AUS in file. The 1008 indicates the file was manually underwritten. And re-review of file did not find any W2's.2/19/2026 Received clarification that borrower is 1099 employee and technically self-employed as filing Schedule C. Earnings re-calculated using 2024/2023 Schedule C's. 24 mo. average $24,657.68 used and recalculated DTI below program maximum. Re-review of guidelines based on provided information supports no W2's required. | 2/17/2026 Exception remains.2/18/2026 Exception remains.2/20/2026 Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| 304909721 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing most recent two-years W2's or 2 yrs. Wage transcripts or Written VOE with full two-years history as required by guidelines. | 2/17/2026 Received pay stubs and VVOE. Pay stubs and VVOE were already in file. Guidelines request most recent 2 yrs W2's, 2 yrs. Wage transcripts or a Written VOE with a full two year earnings history. Pay stubs and VVOE do not meet that requirement.2/18/2026 Rebuttal received indicate need to follow AUS requirements. Disagree with rebuttal. Guidelines indicate that when an AUS is present and must meet all requirements of the guidelines when AUS not present. There is no AUS in file. The 1008 indicates the file was manually underwritten. And re-review of file did not find any W2's.2/19/2026 Received clarification that borrower is 1099 employee and technically self-employed as filing Schedule C. Earnings re-calculated using 2024/2023 Schedule C's. 24 mo. average $24,657.68 used and recalculated DTI below program maximum. Re-review of guidelines based on provided information supports no W2's required. | 2/17/2026 Exception remains.2/18/2026 Exception remains.2/20/2026 Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| 304909776 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.78% CLTV < max permitted of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 25 years. |
| 304909790 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | The total fees and points equal $2,053.00 or 6.464%, the maximum equals $1,587.97 or 5% for a difference of $465.03 or 1.464%. Please provide a Loan Detail Report including the affiliate paid fees in testing. | 1.29.2026 Without being able to see your calculation to compare it to ours, I have to assume that you are including t Title-Attorney Fee and Flood Cert. Fee. The $275.00'Titl Attorney Fee and 11.00 Flood Certification fee is bona fide and reasonable and paid to a person other than the creditor or an affiliate of the creditor, and that it covers the purposes listed S.C. Code. 37-23-20 definition of "points and fee" . Response: Attorny fee and Flood Fee are listed in our testing as paid to other. Exception Remains fees."2.13.2026 Lender provided rebuttal | 1.29.2026 Exception Remains 2.13.2026 Removal of Affiliate Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 rep score - minimum required 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 41.727% below program maximum 50.00%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 10 years in same line of work. |
| 304909790 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Section 32 | Satisfied C B | CMPS32371 | Section 32 Loan per Points and Fees Test | No | The total fees and points equal $2,053.00 or 6.464%, the maximum equals $1,587.97 or 5% for a difference of $465.03 or 1.464%. Please provide a Loan Detail Report including the affiliate paid fees in testing. | 1.29.2026 Without being able to see your calculation to compare it to ours, I have to assume that you are including t Title-Attorney Fee and Flood Cert. Fee. The $275.00'Titl Attorney Fee and 11.00 Flood Certification fee is bona fide and reasonable and paid to a person other than the creditor or an affiliate of the creditor, and that it covers the purposes listed S.C. Code. 37-23-20 definition of "points and fee" . Response: Attorny fee and Flood Fee are listed in our testing as paid to other. Exception Remains 2.13.2026 Lender provided rebuttal | 1.29.2026 Exception Remains2.13.2026 Removal of Affiliate Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 rep score - minimum required 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 41.727% below program maximum 50.00%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 10 years in same line of work. |
| 304909790 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | State High Cost | Satisfied C A | CMPSTHC328 | SC High-Cost Loan by exceeding point and fee threshold, | No | The total fees and points equal $2,053.00 or 6.464%, the maximum equals $1,587.97 or 5% for a difference of $465.03 or 1.464%.Please provide a Loan Detail Report including the affiliate paid fees in testing. | 1.29.2026 Without being able to see your calculation to compare it to ours, I have to assume that you are including t Title-Attorney Fee and Flood Cert. Fee. The $275.00'Titl Attorney Fee and 11.00 Flood Certification fee is bona fide and reasonable and paid to a person other than the creditor or an affiliate of the creditor, and that it covers the purposes listed S.C. Code. 37-23-20 definition of "points and fee" . Response: Attorney fee and Flood Fee are listed in our testing as paid to other. Exception Remains fees."2.13.2026 Lender provided rebuttal | 1.29.2026 Exception Remains 2.13.2026 Removal of Affiliate Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 rep score - minimum required 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 41.727% below program maximum 50.00%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 10 years in same line of work. |
| 304909790 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Initial CD dated 12/04/2025 per the Current Change Circumstance. Need proof initial CD was received by borrower 3 days before consummation date of 12/12/2025. | 1.21.2026 - Initial CD and interim CDs received. | 1.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 rep score - minimum required 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 41.727% below program maximum 50.00%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 10 years in same line of work. |
| 304909790 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD dated 12/04/2025 per the Current Change Circumstance. Need proof initial CD was received by borrower 3 days before consummation date of 12/12/2025. | 1.21.2026 - Initial CD and interim CDs received. | 1.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 rep score - minimum required 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 41.727% below program maximum 50.00%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 10 years in same line of work. |
| 304909799 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor | QM: Safe Harbor (APOR) D C | N/A | N/A D C | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Reviewer unable to determine if loan meets 2nd lien loan parameters. Only guidelines provided are for 1st liens. Loan may be subject to additional exceptions when guidelines provided for review. | 1/23/2026 Received guidelines for lender CES program. Re-reviewed file. Loan meets CES guidelines. | 1/23/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 10 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 41 years 3 months at current job.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 50 mos. 0x30 and 41 mos. 0x30. |
| 304909799 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor | QM: Safe Harbor (APOR) D C | N/A | N/A D C | N/A | N/A D | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Reviewer unable to determine if loan meets 2nd lien loan parameters. Only guidelines provided are for 1st liens. Loan may be subject to additional exceptions when guidelines provided for review. | 1/23/2026 Received guidelines for lender CES program. Re-reviewed file. Loan meets CES guidelines. | 1/23/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 10 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 41 years 3 months at current job.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 50 mos. 0x30 and 41 mos. 0x30. |
| 304909881 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 48.96% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.66% CLTV < max permitted of 85% |
| 304909890 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing evidence of master condo insurance policy to support sufficient coverage. Only HO6 policy located in file. | 2/3/2026 Received evidence of master condo insurance. Policy supports sufficient coverage. | 2/3/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI is 38.13%; Maximum DTI is 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 77%; Maximum LTV is 85% |
| 304910952 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI 45.95 below guideline maximum of 50%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30 mortgage late payments in the past 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 715 exceeds program guidelines of 680 |
| 304911725 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 704 exceeds min score requirement of 680.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 56 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past 20 years. |
| 304933517 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide Initial CD issued 11/27/25 and re-disclosed CD's issued 12/12/25 & 12/15/25 per COC evidence of issue. | 2.5.2026 - Missing CDs and COCs received. | 2.5.2026 - Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 304933517 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide Initial CD issued 11/27/25 and re-disclosed CD's issued 12/12/25 & 12/15/25 per COC evidence of issue. | 2.5.2026 - Missing CDs and COCs received. | 2.5.2026 - Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 304933517 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance of $4883 due to Lender Credit fee removed with no valid reason in file. Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 2.5.2026 - Missing CDs and COCs received. | 2.5.2026 - Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 304933517 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Provide Initial CD issued 11/27/25. | 2.5.2026 - Missing CDs and COCs received. | 2.5.2026 - Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 304953596 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date is 12/17/25; disbursement date per Final CD in file is 12/17/25. Borrower did not receive full mandatory rescission period prior to disbursement of funds Requires corrected PCCD, LOX, re-open of rescission-copy of shipping. | 1.27.26 Lender sent revised CD 1.27.26 | 1.28.26 Exception Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 25 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 qual score; min 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.72% HLTV; max 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $18,705.64 reserves; $0 reserves required. |
| 304983636 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date is 12/18/25; disbursement date per Final CD in file is 12/17/25. Borrower did not receive full mandatory rescission period prior to disbursement of funds Requires corrected PCCD, LOX, re-open of rescission-copy of shipping. | 1.22.2026 Lender provided PCCD 1.21.2026 , correcting disbursement date | 1.22.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer for 17.5 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x58 months |
| 304983636 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Only CD in file is dated 12/12/25 and signed 12/15/25. Please provide initial CD dated 3 days prior to consummation date of 12/15/25. | 1.22.2026 Lender provided PCCD 1.21.2026 , need Initial CD given to borrower. Exception Remains 1.23.2026 lender provided initial CD | 1.22.2026 Exception Remains 1.23.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer for 17.5 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x58 months |
| 304983636 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Only CD in file is dated 12/12/25 and signed 12/15/25. Please provide initial CD dated 3 days prior to consummation date of 12/15/25. | 1.22.2026 Lender provided PCCD 1.21.2026 , need Initial CD given to borrower. Exception Remains 1.23.2026 lender provided initial CD | 1.22.2026 Exception Remains1.23.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer for 17.5 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x58 months |
| 304983636 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments is missing a value; please provide a CD with a value in that field. | 1.22.2026 Lender provided PCCD 1.21.2026 , this does not address the non escrow totals Exception Remains 1.23.2026 Lender provided PCCD that corrects the escrow | 1.22.2026 Exception Remains 1.23.2026 Exception satisfied | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer for 17.5 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x58 months |
| 304983636 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] is missing a value. Please provide a PCCD with a value in the field. | 1.22.2026 Lender provided PCCD 1.21.2026 , this does not address the non escrow totals Exception Remains 1.23.2026 Lender provided PCCD that corrects the escrow | 1.22.2026 Exception Remains 1.23.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer for 17.5 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x58 months |
| 304993695 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Verified 0X30 mortgage lates in the past 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 30.56 is below guideline requirement of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score of 771 exceeds program guidelines of 680 |
| 305085698 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 7 years and 10 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 16 years. |
| 305012532 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x60 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 28 years. |
| 305012550 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 21 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 19 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 776 exceeds min score requirement of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 59.72% / Max LTV 90%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 43 months. |
| 305012632 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A | Credit | Insurance | Active B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | HOI Effective date 12/30/25 is before Final CD Disbursement date 1/5/26. HOI in effect at time of Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 45 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.84% CLTV < max permitted of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 692 mid score > min required of 680 |
| 305013231 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Rebuttable Presumption (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $2,400.24, max allowed is $1,570.50; $829.74 too high). | 2.26.2026 Lender provided Attestation affiliate not affiliate anymore | 2.26.2026 Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 305013231 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Section 32 | Satisfied C B | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Adjusted Charges of $2400.24, exceeds maximum charges of 5% or $1570.5 by $829.74 or 2.642%.LDR from closing shows Fed High Cost "Failed". | 2.26.2026 Lender provided Attestation affiliate not affiliate anymore | 2.26.2026 Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 305013231 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | State High Cost | Satisfied C B | CMPSTHC308 | IL High-Cost Loan by exceeding point and fee threshold | No | Adjusted Charges of $2400.24, exceeds maximum charges of 5% or $1570.5 by $829.74 or 2.642%.LDR from closing shows Fed High Cost "Failed". | 2.26.2026 Lender provided Attestation affiliate not affiliate anymore | 2.26.2026 Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 305013278 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing Initial LE sent on 11/13/2025. Mavent/compliance report lists LE being issued on 11/13/2025 on page 6. | 1.16.2026 - Missing LE 11.13 provided. | 1.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.67% DTI; Max is 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 rep score |
| 305013278 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application date of 11/10, HCO sent 12/01. | 1.16.26 - Initial HCO received | 1.16.26 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.67% DTI; Max is 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 rep score |
| 305013302 | XXXXXX | XXXXXX | XXXXXX | UT | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | 51.54% DTI > max permitted of 50%. Variance appears to be due to lenders rental income calculation considered only subject P&I of $801.09 and reviewers rental income calculation considered full PITIA of $996.28. | 1/26/2026 Received copy of lender rental calc for subject. Review of the rental calc is in line with reviewer review however the DTI remains over 50%. After re-review it appears the variance is in the primary housing expense. 1008 reflects primary housing expense of $2,840.82 was used to qualify however documentation verifies the expense as $3,022. Back DTI calculated as follows Primary housing $3,022.00 subject net rental loss $299.82 + consumer debt = expenses $3,851.67 / earnings $7,473.91 = DTI 51.54%.2/17/2026 Received updated MFCU statement reflecting lower balance. With update. DTI resolved. | 1/26/2026 Exception remains.2/17/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.83% CLTV < max permitted of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 779 > min required of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have65 months mortgage payment history 0x30. |
| 305013322 | XXXXXX | XXXXXX | XXXXXX | RI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 2.11.2026 Lender provided initial CD with tracking disclosure | 2.11.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years and 0 months in current residence. .<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 14 years and 0 months in current profession |
| 305013322 | XXXXXX | XXXXXX | XXXXXX | RI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing CD's dated 12/12/2025 and 12/18/2025 per the Current Change Circumstance. Need proof initial CD was received by borrower 3 days before consummation date of 12/21/2025. | 2.11.2026 Lender provided initial CD with tracking disclosure | 2.11.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years and 0 months in current residence. .<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 14 years and 0 months in current profession |
| 305013329 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | No monthly estimated taxes/ins disclosed on CD. LOX and redisclosed CD within 60 days of discovery. | 1.21.2026 - Client rebuttal: This is a closed end second, please clarify why you need figures in this field? Clayton Sr compliance responded Counsel opinion in the past has stated the 1st and 2nd liens are separate transactions, and there should be figures in the projected payment and non escrow section pg 4 disclosure and escrow section on pg 1. 1.22.2026 Lender provided corrected CD showing non escrow property costs. | 1.21.2026 - Exception remains1.23.2025 Exception Satisfied | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 mid score > min required of 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 36 years 10 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.26% CLTV < max permitted of 85% |
| 305013329 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | No yearly property costs listed on CD. LOX and redisclosed CD within 60 days of discovery | 1.21.2026 - Client rebuttal states This is a closed end 2nd lien, these figures are blank on al of our previous 2nd loans. Clayton Sr compliance responded Counsel opinion in the past has stated the 1st and 2nd liens are separate transactions, and there should be figures in the projected payment and non escrow section pg 4 disclosure and escrow section on pg 1. 1.22.2026 Lender provided corrected CD showing non escrow property costs. | 1.21.2026 - Exception remains1.23.2026 Exception satisfied | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 mid score > min required of 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 36 years 10 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.26% CLTV < max permitted of 85% |
| 305013391 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof XXXXXX HELOC paid at closing has been closed for future use. | 2/12/2026 Received rebuttal HELOC paid at close. It is acknowledged that the HELOC balance was paid at close however we need documentation the credit line has been closed for future use. There is no documentation in file to evidence the borrowers authorized the credit line to be closed upon receipt of payment. Proof that the HELOC as been closed can be accomplished with a credit supplement, copy of the recorded satisfaction, update from title, updated statement from XXXXXX or borrower authorization to close. 2/17/2026 Received statement from XXXXXX. The statement does not support XXXXXX HELOC has been closed for future draws.2/25/2026 Recieved updated HELOC statement verifying HELOC CL closed. | 2/12/2026 Exception remains. 2/17/2026 Exception remains.2/25/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 752 exceeds min score requirement of 720<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 5 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 27 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82. |
| 305013558 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 7 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 7 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing qualified assets $28,014.20 (10.03 months PITIA reserves) > minimum required reserves of 3 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99. |
| 305013562 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing 2025 YTD Balance sheet as required by guidelines. Guidelines states Balance sheet including the most recent month preceding the loan application date is required. | 2/12/2026 Received copy of appraisal and Mavent.2/23/2026 Received 2025 YTD balance sheet. | 2/12/2026 Exception remains.2/23/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 57.32% below program maximum 75.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 779/minimum 680 |
| 305013562 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Income/Employment | Satisfied D A | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No | Missing 2025 YTD Balance sheet as required by guidelines. Guidelines states Balance sheet including the most recent month preceding the loan application date is required. | 2/12/2026 Received copy of appraisal and Mavent.2/23/2026 Received 2025 YTD balance sheet. | 2/12/2026 Exception remains.2/23/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 57.32% below program maximum 75.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 779/minimum 680 |
| 305013562 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing fully legible copy of appraisal used to qualify. Appraisal in file reflects top and bottom of pages cut off. | 2/12/2026 Received legible copy of appraisal. | 2/12/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 57.32% below program maximum 75.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 779/minimum 680 |
| 305013569 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated 01/05/2026 and 01/06/2026 reflect $0 for in the Projected Payments section. For junior liens, disclosure of the first lien Taxes, Insurance & Assessments is required. | 2.11.2026 Lender Provided PCCD 2/10 correcting the Projected Payments | 2.11.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 15 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 50 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual CLTV 79.34% / Max CLTV 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 12 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 789 exceeds min score requirement of 700. |
| 305013569 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated 01/05/2026 and 01/06/2026- Loan Disclosures- Escrow Account- Estimated Property Costs Over Year 1 reflects $0. | 2.11.2026 Lender Provided PCCD 2/10 correcting the Projected Payments | 2.11.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 15 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 50 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual CLTV 79.34% / Max CLTV 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 12 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 789 exceeds min score requirement of 700. |
| 305013623 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Missing minimum open/active tradelines requirement. Borrower only has open/active mortgage debt. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.25% CLTV < max permitted of 90%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 mid score > min required of 700 |
| 305023768 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 697 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.47% CLTV < max permitted of 75% |
| 305023967 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | N/A | N/A D B C | N/A | N/A D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing Lender guidelines for second lien program. Reviewer unable to determine if loan parameters meet lender guidelines. | 1/23/2026 Received guidelines for lender CES program. Re-reviewed file. Loan meets CES guidelines. | 1/23/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CB has 7.8 years at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 9.6 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12.8 years at current job. |
| 305023967 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | N/A | N/A D B C | N/A | N/A D B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Provide final CD. Additional conditions may apply. | 1.22.2026 Lender provided PCCD correcting disbursement date | 1.22.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CB has 7.8 years at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 9.6 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12.8 years at current job. |
| 305023967 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | N/A | N/A D B C | N/A | N/A D B | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Lender guidelines for second lien program. Reviewer unable to determine if loan parameters meet lender guidelines. | 1/23/2026 Received guidelines for lender CES program. Re-reviewed file. Loan meets CES guidelines. | 1/23/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CB has 7.8 years at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 9.6 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12.8 years at current job. |
| 305023979 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing 2 years 1040s. Also missing 2 years of 1120S, 1065 or K1s, depending on ownership percentage, for XXXXXX. Unable to complete income verification without additional documentation. Although P&L and Balance sheet provided, Lender approval reflects doc type as "Full" with requirement for tax returns. | 2/4/2026 Received 2024/2023 1040's, 1040 transcripts, Single pages of signed 1040's and business returns. Reviewer only able to calculate the Schedule C earnings for B1/B2. Schedule C's support. Still business returns for XXXXXX.2/9/2026 Received copies of first pages of tax returns signed however not the full 2 years personal and business returns as requested in exception.2/11/2026 Received complete copies of all business returns. Earnings calcualted and support income used to qualify. | 2/4/2026 Exception remains.2/9/2026 Exception remains.2/11/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.13% CLTV < max permitted of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have75 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 695 mid score > min required of 680 |
| 305023979 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | Missing 2 years 1040s. Also missing 2 years of 1120S, 1065 or K1s, depending on ownership percentage, for XXXXXX Unable to complete income verification without additional documentation. Although P&L and Balance sheet provided, Lender approval reflects doc type as "Full" with requirement for tax returns. | 2/4/2026 Received 2024/2023 1040's, 1040 transcripts, Single pages of signed 1040's and business returns. Reviewer only able to calculate the Schedule C earnings for B1/B2. Schedule C's support. Still business returns for XXXXXX.2/9/2026 Received copies of first pages of tax returns signed however not the full 2 years personal and business returns as requested in exception.2/11/2026 Received complete copies of all business returns. Earnings calcualted and support income used to qualify. | 2/4/2026 Exception remains.2/9/2026 Exception remains.2/11/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.13% CLTV < max permitted of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have75 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 695 mid score > min required of 680 |
| 305023979 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing 2 years 1040s. Also missing 2 years of 1120S, 1065 or K1s, depending on ownership percentage, for XXXXXX. Unable to complete income verification without additional documentation. Although P&L and Balance sheet provided, Lender approval reflects doc type as "Full" with requirement for tax returns. | 2/4/2026 Received 2024/2023 1040's, 1040 transcripts, Single pages of signed 1040's and business returns. Reviewer only able to calculate the Schedule C earnings for B1/B2. Schedule C's support. Still business returns for XXXXXX.2/9/2026 Received copies of first pages of tax returns signed however not the full 2 years personal and business returns as requested in exception.2/11/2026 Received complete copies of all business returns. Earnings calcualted and support income used to qualify. | 2/4/2026 Exception remains.2/9/2025 Exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.13% CLTV < max permitted of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have75 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 695 mid score > min required of 680 |
| 305023987 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 9 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.03% CLTV < max permitted of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.78% is below the guideline maximum of 45%. |
| 305023993 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Adjusted Charges of $4,191.68 equal to 5.090%; Maximum charges allowed $4,117.34 or 5.000%; charges exceed by $74.34 or 0.090%. Please provide a Loan Detail Report including the affiliate paid fees in testing. | 2.2.2026 - LOX provided for 20/20 title non affiliate. | 2.2.2026- Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 24 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 23.42% below program maximum 50.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 75.00% below program maximum 90.00%. |
| 305023993 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Section 32 | Satisfied C B | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Adjusted Charges of $4,191.68 equal to 5.090%; Maximum charges allowed $4,117.34 or 5.000%; charges exceed by $74.34 or 0.090%. Please provide a Loan Detail Report including the affiliate paid fees in testing. | 2.2.2026 - LOX provided for 20/20 title non affiliate. | 2.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 24 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 23.42% below program maximum 50.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 75.00% below program maximum 90.00%. |
| 305023993 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Initial CD dated 12/02/2025. Need proof initial CD was received by borrower 3 days before consummation date of 12/15/2025. | 1.12.2026 Lender delivered Initial CD | 1.12.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 24 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 23.42% below program maximum 50.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 75.00% below program maximum 90.00%. |
| 305023993 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD dated 12/02/2025. Need proof initial CD was received by borrower 3 days before consummation date of 12/15/2025. | 1.12.2026 Lender delivered Initial CD | 1.12.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 24 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 23.42% below program maximum 50.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 75.00% below program maximum 90.00%. |
| 305023995 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt for Initial CD issued 12/15/25 at least 3 business days prior to closing. | 02.12.2026 Lender provided disclosure tracking 12/15/2025 CD acknowledged on 12.15.2025 | 2.12.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 17 years and 0 months in current profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years and 5 months in current residence. |
| 305023995 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt for Initial CD issued 12/15/25 at least 3 business days prior to closing. | 02.12.2026 Lender provided disclosure tracking 12/15/2025 CD acknowledged on 12.15.2025 | 02.12.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 17 years and 0 months in current profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years and 5 months in current residence. |
| 305024463 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 mid score, guidelines require 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.90% LTV, Guidelines allow 50% |
| 305024765 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Need evidence of Change of Circumstances letter for Zero Percent tolerance increase (Appraisal from LE 12/02/2025 of $65 to CD 12/11/2025 of $450), or Post Close CD, LOX, a copy of a refund check in the amount of $385, and proof of delivery within 60 days of consummation. | 2.5.2026 - COC received | 2.5.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the subject property for 8 years 2 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been with the employer for 9 years 4 months. |
| 305024816 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | Right of Rescission | Satisfied B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | ROR missing from file. | 2.17.2026 Lender provided ROR | 2.17.2026 Exception SATISFIED | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 715 is 15 points above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 85%. |
| 305024816 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | Right of Rescission | Satisfied D A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | ROR missing from File. | 2.17.2026 Lender provided ROR | 2.17.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 715 is 15 points above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 85%. |
| 305024816 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of P&I of 1st lien, Credit report is reporting a payment of $6,541.00 pg293, P&I payment used to qualify is $4,933.60 per FG pg 592. No mtg statement or Credit supplement in file. | 2/18/2026 Received copy of Credit supplement verifying 1st lien on subject M&T Bank has been paid. That credit supplement was already provided in file, it only verifies the previous 1st lien has been paid off. Per 1008 there is a new 1st lien. Per 1008 payment of $4,933.60 needs to be verified. 2/25/2026 Received copy of 1st lien Note and final CD verifying P&I payment of $4,933.60. | 2/18/2026 Exception remains.2/25/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 715 is 15 points above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 85%. |
| 305024821 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A | Credit | Insurance | Satisfied B A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Hazard insurance in effect at time of Clayton review. HOI Effective date 12/18/25, Disbursement date 1/18/26. | 2/11/2026 Received copy of 2024-2025 policy to support continuous coverage. | 2/11/2026 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.18% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.16% is below the guideline maximum of 50%. |
| 305024952 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.66% DTI below 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55% CLTV with 75% HLTV allowed. |
| 305024955 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 720. File credit score 767.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years and 3 months in current residence. |
| 305025022 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.42% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.82% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 mid score > min required of 680 |
| 305025034 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A 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 60 days of consummation | No | Zero tolerance fail of $6.00 due to increase in credit monitor fee on LE 12/3/25. Provide COC supporting increase in fee OR PCCD, LOX, Copy of tolerance cure check with proof of delivery within 60 days of consummation. | 1.29.2026 Lender provided COC | 1.30.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 Years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 14 years and 0 months in current profession. |
| 305025034 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | due to missing Initial CD | 1.21.26-Client provided Initial CD, Satisfied. | 1.21.26-Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 Years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 14 years and 0 months in current profession. |
| 305025034 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Only CD on file is consummation CD, issued 12/12 received 12/13. Provide Initial CD for review additional Exceptions may apply once reviewed. | 1.21.26-Client provided Initial CD, Satisfied. | 1.21.26-Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 Years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 14 years and 0 months in current profession. |
| 305025034 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Loan files indicate initial CD was sent to borrower on 12/04, but is not included in loan file. | 1.21.26-Client provided Initial CD, Satisfied. | 1.21.26-Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 Years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 14 years and 0 months in current profession. |
| 305025035 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Lender status determination is QM Safe Harbor APOR with review finding Non-QM: Lender documented all ATR UW factors due to adjusted charges of $3,365.33 equal to 6.629%; Maximum charges allowed $2,538.26 or 5.000%; charges exceed by $827.07 or 1.629%. | 1.22.2026 Lender provided Loan Detail Report that shows page 10 HPML DETERMINATION Is this a Higher-Priced Mortgage Loan? Yes Reason: APR exceeds comparable Average Prime Offer Rate by 3.5% or more. Exception Remains 1.29.2026 Lender provided loan detail report that shows HPML Determination APR exceeds comparable average offer rate by 3.5% or more. Exception Remains 2/16/26 Lender provided statement of ownership changes effecting affiliates. Revisions made for fees paid to affiliates / non affiliates. ATR/QM status determined to be Rebuttable Presumption, matching lenders initial determination. | 1.22.2026 Exception Remains 1.27.2025 Exception Remains 2/16/2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 82.89% HLTV; max 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 39mo. 0x30 mortgage payment history; 0x30x12 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 qual score; min 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.81% DTI; max 50%. |
| 305025035 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Federal Higher-Priced | Satisfied C A | CMPFDHP2948 | Federal Higher-priced mortgage loan - Appraisal does not meet HPML standards | No | Closed-end second liens that meet the definition of a Higher-Priced Mortgage Loan (HPML) under TILA/Regulation Z must meet the HPML appraisal requirements of 12 CFR 1026.35(c) which is a written appraisal with an interior property inspection by a certified or licensed appraise; only AVM provided to support value. | 1.22.2026 Lender provided Loan Detail Report that shows page 10 HPML DETERMINATION Is this a Higher-Priced Mortgage Loan? Yes Reason: APR exceeds comparable Average Prime Offer Rate by 3.5% or more. Exception Remains 1.29.2026 Lender provided loan detail report that shows HPML Determination APR exceeds comparable average offer rate by 3.5% or more. Exception Remains | 1.22.2026 Exception Remains 1.27.2026 Exception Remains | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 82.89% HLTV; max 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 39mo. 0x30 mortgage payment history; 0x30x12 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 qual score; min 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.81% DTI; max 50%. |
| 305025035 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Section 32 | Satisfied C B | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Please provide a Loan Detail Report including the affiliate paid fees in testing, also including Un-discounted Starting Rate. Adjusted Charges of $3,365.33 equal to 6.629%; Maximum charges allowed $2,538.26 or 5.000%; charges exceed by $827.07 or 1.629%. | 1.22.2026 Lender provided Loan Detail Report that shows page 10 HPML DETERMINATION Is this a Higher-Priced Mortgage Loan? Yes Reason: APR exceeds comparable Average Prime Offer Rate by 3.5% or more. Exception Remains 1.29.2026 Lender provided loan detail report that shows HPML Determination APR exceeds comparable average offer rate by 3.5% or more. Exception Remains 2.16.2026 Lender does not have affiliate with 20/20 tile | 1.22.2026 Exception remains1.29.2026 Exception Remains 2.16.2026 Exception Satisafied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 82.89% HLTV; max 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 39mo. 0x30 mortgage payment history; 0x30x12 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 qual score; min 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.81% DTI; max 50%. |
| 305025035 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide Initial CD with proof of receipt at least 3 business days prior to closing. | 1.12.2026 Lender provided CD 12.4.2025 | 1.12.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 82.89% HLTV; max 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 39mo. 0x30 mortgage payment history; 0x30x12 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 qual score; min 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.81% DTI; max 50%. |
| 305025035 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide Initial CD with proof of receipt at least 3 business days prior to closing. | 1.12.2026 Lender provided CD 12.4.2025 | 1.12.2026 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 82.89% HLTV; max 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 39mo. 0x30 mortgage payment history; 0x30x12 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 qual score; min 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.81% DTI; max 50%. |
| 305025041 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2996 | Missing Trust Documents | No | Missing Trust Documents | 2/11/2026 Received trust review / cert. | 2/11/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 payment history reporting in last 45 mos.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 60.95% is lower than max allowed CLTV of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $20,926.96 (2.90 months PITIA reserves) > min required reserves of $0.00 |
| 305026227 | XXXXXX | XXXXXX | XXXXXX | WA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.31% CLTV < max permitted of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 credit score, Guidelines require 700. |
| 305026468 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide Initial CD , including proof of receipt at least 3 business days prior to consummation. | 2.3.2026 - Initial CD received however missing acknowledment of Initial CD at least 3 days prior to consummation.2.5.2026 - Disclousre tracking received | 2.3.2026 - Exception remains2.5.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.17% CLTV < max permitted of 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 36 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 4.49% consumer credit utilization in file |
| 305026468 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide Initial CD , including proof of receipt at least 3 business days prior to consummation. | 2.3.2026 - Initial CD received however missing acknowledment of Initial CD at least 3 days prior to consummation.2.5.2026 - Disclousre tracking received | 2.3.2026 - Exception remains2.5.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.17% CLTV < max permitted of 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 36 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 4.49% consumer credit utilization in file |
| 305026468 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Provide Initial CD , including proof of receipt at least 3 business days prior to consummation. | 2.3.2026 - Initial CD received | 2.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.17% CLTV < max permitted of 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 36 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 4.49% consumer credit utilization in file |
| 305026483 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 20 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history is positive over the review period. |
| 305026487 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Provide a signed and dated profit and loss statement dated through the most recent quarter of 2025 to support income continuance for XXXXXX | 2/20/2026 Received rebuttal that YTD earnings on page 538. Reviewed page 538 of PDF. The document is a copy of the W2 wages only that are paid to borrower through company. It is not a 2025 P&L that includes business earnings/expenses. Borrower is 50% owner of the company P&L required per guidelines.2/25/2026 Received positive income P&L for January - December 2025. | 2/20/2026 Exception remains. 2/25/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 46.42% CLTV < max permitted of 75% |
| 305026564 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 83.05% / Max LTV 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 700 exceeds min score requirement of 700.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 28 months. |
| 305026567 | XXXXXX | XXXXXX | XXXXXX | OK | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 credit score; 720 minimum<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.29 DTI/ Max 50% |
| 305026572 | XXXXXX | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 44.47% which is below guideline maximum of 50%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30 mortgage late for the past 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 694 exceeds guideline minimum of 680 |
| 305026580 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | File is missing several CDs. CD COC on 12/11 lists CDs delivered on the following dates: 11/02/202511/20/202511/21/202512/05/202512/06/202512/08/2025Only CD on file is the consummation/closing CD printed 12/11, signed 12/12. We need the missing CDs, or evidence they were not sent, along with any COC and rate lock documentation. | 1.09.2026 Lender provided all missing CD'S | 1.12.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 qual score; min 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 56mo. 0x30 mortgage payment history; 0x30x12 required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at the same residence for 24 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.31% CLTV; 75% max. |
| 305026580 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Only CD in file is dated 12/11/25 and signed 12/12/25. Please provide initial CD dated 3 days prior to consummation date of 12/11/25. | 1.12.2026 Lender provided Initial CD | 1.12.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 qual score; min 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 56mo. 0x30 mortgage payment history; 0x30x12 required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at the same residence for 24 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.31% CLTV; 75% max. |
| 305026580 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Only CD in file is dated 12/11/25 and signed 12/12/25. Please provide initial CD dated 3 days prior to consummation date of 12/11/25. | 1.09.26 Lender provided missing CD'S | 1.12.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 qual score; min 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 56mo. 0x30 mortgage payment history; 0x30x12 required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at the same residence for 24 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.31% CLTV; 75% max. |
| 305026608 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 72 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 mid score > min required of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job 6 years, 10/mo. |
| 305027016 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Only CD in file is dated 2/27/26 and signed 2/28/26. Please provide initial CD dated 3 days prior to consummation date of 2/28/26. | 3.25.2026 - Missing CDs provided | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 792 exceeds minimum score requirement of 700 (85% CLTV).<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since Februrary 2009.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.42% is lower than maximum allowed 50%. |
| 305027016 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Only CD in file is dated 2/27/26 and signed 2/28/26. Please provide initial CD dated 3 days prior to consummation date of 2/28/26. | 3.25.2026 - Missing CDs provided | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 792 exceeds minimum score requirement of 700 (85% CLTV).<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since Februrary 2009.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.42% is lower than maximum allowed 50%. |
| 305027050 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 2.5.26 lender provided proof borrower acknowledged on the 10th | 2.5.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 730 exceeds min score requirement of 700. |
| 305027050 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 12/16/2025. | 2.5.26 lender provided proof borrower acknowledged on the 10th | 2.5.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 730 exceeds min score requirement of 700. |
| 305027060 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3952 | TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established | No | corrected on final CD. Exception Satisfied | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 702 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.80% CLTV < max permitted of 85%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 36 years. |
| 305027060 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5831 | TRID - CD: In the Taxes, Insurance & Assessments section at least one est. amount has Yes or Some for In Escrow, but the Will Not Have an Escrow Account box is checked in Loan Disclosures | No | corrected on final CD. Exception Satisfied | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 702 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.80% CLTV < max permitted of 85%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 36 years. |
| 305027128 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors C | N/A | N/A C | N/A | N/A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to High price threshold (Test rate 9.832 Benchmark rate 6.220 Variance 3.612 Rate spread trigger is 3.5). | 2.20.2026 Lender sent rebuttal | 2.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have live in residence for 26 years. |
| 305027128 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | updated Exception Satisfied. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have live in residence for 26 years. |
| 305027131 | XXXXXX | XXXXXX | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 83.30% CLTV < max permitted of 90% |
| 305027182 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 64.62% / Max LTV 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 803 exceeds min score requirement of 680.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-Borrower has been in this line of work in the past: 20 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 60 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 9 years. |
| 305027183 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.54% DTI with a 50% max allowed. |
| 305027281 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Only CD in file is dated 12/23/25 and signed 12/23/25. Please provide initial CD dated 3 days prior to consummation date of 12/23/25. | 2.9.2026 Lender Provided Initial CD and proof of delivery | 2.10.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 720. File credit score 804.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years and 0 months in current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years and 0 months in current profession |
| 305027281 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Only CD in file is dated 12/23/25 and signed 12/23/25. Please provide initial CD dated 3 days prior to consummation date of 12/23/25 | 2.9.2026 Lender Provided Initial CD and proof of delivery | 2.10.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 720. File credit score 804.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years and 0 months in current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years and 0 months in current profession |
| 305027281 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide Missing Initial CD. | 2.9.2026 Lender Provided Initial CD and proof of delivery | 2.10.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 720. File credit score 804.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years and 0 months in current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years and 0 months in current profession |
| 305027283 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | N/A | N/A C | N/A | N/A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $3,306.41 max allowed is $4,427.85; $1,121.44 to high). | 3/3/2026 Received rebuttal without commentary. Review of lenders initial ATR/QM determination Non-QM matches review determination. | 3/3/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.18% with a 50% max allowed. |
| 305027374 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Rebuttable Presumption (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $1,497.44, max allowed is $1,380; $117.44 too high). | 2.24.2026 Lender provided rebuttal | 2.24.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.47% DTI with a 50% max allowed. |
| 305027374 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Section 32 | Satisfied C B | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Adjusted Charges of $1497.44, max charges $1380, exceeds max charges by $117.44. | 2.24.2026 Lender provided rebuttal | 2.24.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.47% DTI with a 50% max allowed. |
| 305027374 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | State High Cost | Satisfied C A | CMPSTHC363 | PA High-Cost Loan by exceeding point and fee threshold, | No | Adjusted Charges of $1497.44, max charges $1380, exceeds max charges by $117.44. | 2.24.2026 Lender provided rebuttal | 2.24.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.47% DTI with a 50% max allowed. |
| 305027462 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance fail for $575.90. Closing fee in section A added and discount point increased on final CD and PCCD. No COC provided disclosing increase and addition of fee. | 3.12.2026 Lender provided COC for change. | 3.12.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 11/2020.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Time in profession of 10 and 26 years. |
| 305027505 | XXXXXX | XXXXXX | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 39.50% which is below product guideline of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 721 exceed program guideline of 75%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30 mortgage lates in the past 12 months |
| 305028215 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for more than 18 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 39.76% CLTV < max permitted of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid score > min required of 680 |
| 305028255 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 3.12.2026 Lender provided Initial CD | 3.12.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.36% DTI with a 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.17% CLTV with a max 80% allowed. |
| 305028255 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 2/19/2026. | 3.12.2026 Lender provided Initial CD | 3.12.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.36% DTI with a 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.17% CLTV with a max 80% allowed. |
| 305028255 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance due to added title charges without a valid COC; charges Transfer Taxes Aggregate $287.37. Requires a COC, or corrected PCCD, cop of refund check, LOX and verification of shipping. | 3.13.2026 Lender provided COC for increase | 3.13.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.36% DTI with a 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.17% CLTV with a max 80% allowed. |
| 305028276 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305028285 | XXXXXX | XXXXXX | XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI of 49.89 is less than the Guideline Minimum of 50%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x24 past due in the last 24 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: (0x30x6) no late payments in the past 6 months |
| 305028288 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing Master Insurance policy | 2/20/2026 Received email indicating master policy does not cover walls in coverage. This communication was already provided. The HO6 policy is the walls in coverage. That policy does not cover the building itself. A copy of the master insurance policy is required.2/23/2026 Received evidence of master condo insurance, supports sufficient coverage. HO6 policy already documented in file. | 2/20/2026 Exception remains.2/23/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of revolving credit.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 39.65% CLTV < max permitted of 85%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history since 2012. |
| 305028409 | XXXXXX | XXXXXX | XXXXXX | OK | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Please provide documentation that the borrowers esigned the LE dated 12/13/2025 | 2.17.2026 Lender provided E Consent | 2.17.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 725 >25 points above guideline program minimum of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.55% is below the minimum program requirements of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 3 years and 10 months. |
| 305028411 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 rep score; minimum is 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 45% LTV - maximum 90% |
| 305028428 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for the past 8 years and 8 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median Fico Score of 759 > 79 required guideline requirements of 680 |
| 305028478 | XXXXXX | XXXXXX | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A C D | N/A | N/A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $1,825.16 max allowed is $1,682.80; $142.36 to high). | 2/12/2026 Received mortgage for primary residence on S Drageda, supports PITI expense used to qualify. | 2/12/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 credit score, Guidelines require 700 |
| 305028478 | XXXXXX | XXXXXX | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A C D | N/A | N/A C | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing XXXXXX mortgage statement for primary residence XXXXXX | 2/12/2026 Received mortgage for primary residence on XXXXXX, supports PITI expense used to qualify. | 2/12/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 credit score, Guidelines require 700 |
| 305028481 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 14 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 29.93% CLTV < max permitted of 85% |
| 305028961 | XXXXXX | XXXXXX | XXXXXX | NE | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing documentation to support B2 legal US residency. 1003 noted B2 is a permanent resident alien. | 2/17/2026 Received copy of B2 residency card. Supports legal US residency. | 2/17/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B2: OT Income: $14,556.93 YTD + $8,240.67 2024 + $1,536.11 2023 = $24,333.71/25.87 months = $940.61; however, this income was not used to qualify for the mortgage.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Benefit To Borrowers: Paid Off $58,228.00 in consumer debt which removed $1, 7007.00 from the monthly debt service - $611.12 HELOC PI = $1,095.88 net monthly debt service savings.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 65.96% and guidelines allow the HCLTV to be 75% |
| 305028964 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower has representative credit score of 796, Guidelines require 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.77% DTI, Guidelines allow 50% |
| 305028968 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305029211 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date is 2/19/26; disbursement date per Final CD in file is 2/20/26. Borrower did not receive full mandatory rescission period prior to disbursement of funds Requires corrected PCCD, LOX, re-open of rescission-copy of shipping. | Lender states document attached , No Document accompanied the exception on spreadsheet 3.9.2026 Lender provided ROR that shows earliest expiration date of 2/19, disbursement date is 2.20 | 3.6.2026 Exception Remains 3.9.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 760 exceeds minimum requirement of 720.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates reporting on credit since 2003.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0X30 reporting since 2018. |
| 305029218 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.49% CLTV < max permitted of 90%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been with current employer for 34 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x greater than 99 months |
| 305029224 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 20 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 17 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 50 months. |
| 305029263 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Disclosure tracking shows a CD provided to borrower 2/4/26, 2/9/26, 2/13/26, 2/14/26, and 2/18/26. Please provide these CD's as they are missing from the file provided to properly test timing for product change. | 3.16.2026 Lender provided all missing CD'S from the file. | 3.16.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have33 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 684 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.63% CLTV < max permitted of 75% |
| 305029263 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Disclosure tracking shows a CD provided to borrower 2/4/26, 2/9/26, 2/13/26, 2/14/26, and 2/18/26. Please provide these CD's as they are missing from the file provided. | 3.16.2026 Lender provided all missing CD'S from the file. | 3.16.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have33 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 684 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.63% CLTV < max permitted of 75% |
| 305029263 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Missing initial and revised CD's that documents changes in fees. Per disclosure tracking and COC in file. Multiple revised CD's are missing. | 3.16.2026 Lender provided all missing CD'S from the file. | 3.16.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have33 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 684 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.63% CLTV < max permitted of 75% |
| 305029263 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3636 | TRID - Revised Closing Disclosure required but not provided | No | Disclosure tracking shows a CD provided to borrower 2/4/26, 2/9/26, 2/13/26, 2/14/26, and 2/18/26. Please provide these CD's as they are missing from the file provided. | 3.16.2026 Lender provided all missing CD'S from the file. | 3.16.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have33 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 684 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.63% CLTV < max permitted of 75% |
| 305029263 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3642 | TRID - Corrected Closing Disclosure required with zero tolerance fee refund, but not provided | No | Zero tolerance fail for $55.81 due to addition of verification fee and transfer tax fee. Lender provided a cure of $51.00. There is an outstanding balance due to borrower for $4.81. | 3.16.2026 Lender provided all missing CD'S from the file. | 3.16.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have33 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 684 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.63% CLTV < max permitted of 75% |
| 305029263 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Disclosure tracking shows a CD provided to borrower 2/4/26, 2/9/26, 2/13/26, 2/14/26, and 2/18/26. Please provide these CD's as they are missing from the file provided. | 3.16.2026 Lender provided all missing CD'S from the file. | 3.16.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have33 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 684 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.63% CLTV < max permitted of 75% |
| 305029329 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing Written VOE referenced in UW cover letter. No income documentation located in file. 2. Missing Verbal verification of employment for borrower. | 2/10/2026 Received income calculation, pay stub, Written VOE and VVOE. Written VOE supports earnings used to qualify. VVOE dated in tolerance and supports active employment with employer used to qualify. | 2/10/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 18 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 18 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 56 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 808 exceeds min score requirement of 720. |
| 305029329 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing Verbal verification of employment for borrower. | 2/10/2026 Received Verbal VOE. VVOE dated in tolerance and supports active employment with employer used to qualify. | 2/10/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 18 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 18 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 56 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 808 exceeds min score requirement of 720. |
| 305029329 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing Written VOE referenced in UW cover letter. No income documentation located in file. | 2/10/2026 Received income calculation, pay stub and Written VOE. Written VOE supports earnings used to qualify. | 2/10/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 18 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 18 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 56 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 808 exceeds min score requirement of 720. |
| 305029583 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing 2023 W2 for B1 earnings with XXXXXX that supports earnings reported on 2023 1040 and 1120S. Both 1040 and 1120S report $30,000 however W2 provided reflects earnings of $35,000. | 2/17/2026 Received copy of email correspondence with CPA. LOE indicates was originally set up to report W2 income as $30,000 however was increased to $35,000 and it was carried over to return. With use of lower amount decreased monthly earnings from slightly however did not affect qualification of loan. | 2/17/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No mortgage lates in previous 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 64.02% is less than max allowed 75%.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Bonus income for B2 has been received for 23 mos. |
| 305029583 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing 2023 W2 for B1 earnings with XXXXXX that supports earnings reported on 2023 1040 and 1120S. Both 1040 and 1120S report $30,000 however W2 provided reflects earnings of $35,000. | 2/17/2026 Received copy of email correspondence with CPA. LOE indicates was originally set up to report W2 income as $30,000 however was increased to $35,000 and it was carried over to return. With use of lower amount decreased monthly earnings from slightly however did not affect qualification of loan. | 2/17/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No mortgage lates in previous 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 64.02% is less than max allowed 75%.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Bonus income for B2 has been received for 23 mos. |
| 305029588 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C | Compliance | Documentation | Satisfied C A | CMPDOC3076 | Legal document was not executed or is incomplete | No | Appear to be missing the initial LE on 12/17/2025 before loan was locked. | 2.27.2026 Lender sent initial LE | 3.2.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.07% DTI with a 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.92% CLTV with a 75% max allowed. |
| 305029588 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | XXXXXX reporting $1,862 collection (XXXXXX) Collections over $1,000 required to be paid. | 3/3/2026 Received rebuttal referencing final CD reflects debt paid with proceeds. | 3/3/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.07% DTI with a 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.92% CLTV with a 75% max allowed. |
| 305029590 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Exception fired in error due to missing initial CD 1/23/2026 and subsequent CDs. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 42 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.49% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2007 per CR. |
| 305029590 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 1/23/2026 and any subsequent CDs between 1/27/2026 and 03/03/2026. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 42 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.49% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2007 per CR. |
| 305029590 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD 1/23/2026 and any subsequent CDs between 1/27/2026 and 03/03/2026. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 42 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.49% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2007 per CR. |
| 305029590 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 1/23/2026 and any subsequent CDs between 1/27/2026 and 03/03/2026. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 42 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.49% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2007 per CR. |
| 305029618 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: consumer debt 0x30 greater than 99 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.09% DTI< max permitted of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in the same line of work for 3 years |
| 305029670 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is QM:RP dueto High price threshold (Test rate 10.069 Benchmark rate 6.270 Variance 3.799Rate spread trigger is 3.5). | 2.20.26 Client response; We accept the determination on this and please clear the exception.2.20.26 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 2.20.26 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 65 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 213 months. |
| 305029670 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM RP APOR status based upon Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 65 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 213 months. |
| 305029786 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Federal Higher-Priced | Satisfied B A | CMPFDHP2950 | Federal Higher-priced mortgage loan - No evidence that lender attempted to comply with appraisal Safe Harbor standards | No | Adjusted Charges of $1675.85, exceeds maximum charges of 5% or $1616.26 by $59.59 or 0.184%.LDR at closing shows Fed High Cost "Failed". | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| 305029786 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Federal Higher-Priced | Satisfied C A | CMPFDHP2948 | Federal Higher-priced mortgage loan - Appraisal does not meet HPML standards | No | Lender/client notes HPML DETERMINATION: APR exceeds comparable Average Prime Offer Rate by 3.5% or more.(Full income used for ATR.) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| 305029786 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Section 32 | Satisfied C B | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Adjusted Charges of $1675.85, exceeds maximum charges of 5% or $1616.26 by $59.59 or 0.184%.LDR at closing shows Fed High Cost "Failed". | 2.25.2026 Amerisave has no affiliates | 2.25.2026 Exception Satisfied | (No Data) | Not Applicable | (No Data) |
| 305029840 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 704/minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 33.64%/maximum 50% |
| 305030501 | XXXXXX | XXXXXX | XXXXXX | DC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2013 per CR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 49.15% CLTV with a 75% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.87% DTI with a 50% max allowed. |
| 305030543 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 12/24/25, 1/15/26,2/3/26,2/10/26,2/21/26,2/24/26 that are missing per COC. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 751 is 71 points above minimum program requirement of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.28% DTI < maximum permitted of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.05%; guidelines allow 90%. |
| 305030543 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD dated 12/24/25 per COC. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 751 is 71 points above minimum program requirement of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.28% DTI < maximum permitted of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.05%; guidelines allow 90%. |
| 305030543 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD dated 12/24/25 per COC. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 751 is 71 points above minimum program requirement of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.28% DTI < maximum permitted of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.05%; guidelines allow 90%. |
| 305030548 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt of initial cd issued 1/21/26. | 2.25.2026 Lender provided disclosure tracking showing Initial CD acknowledged on 1.21.26 | 2.25.2026 Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30 mortgage lates in the past 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 20.69 is below guideline maximum of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score of 813 exceeds guideline minimum of 720 |
| 305030548 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Origination date of 1/19/26.- Closing date 1/27/26- Loan closed prior to end of waiting period.The seven-business-day waiting period begins when the creditor delivers the disclosures or places them in the mail. 1026.19(e)(1)(iii)(B), Saturday is a business day, pursuant to 1026.2(a)(6). Saturday is a business day for this rule; the Saturday rule can come into play from application to delivery of the LE, but the waiting period for closing is based on the specific business day definition. | 2.25.2026 Lender provided disclosure tracking showing Initial CD acknowledged on 1.21.26 | 2.25.26 Exception Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30 mortgage lates in the past 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 20.69 is below guideline maximum of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score of 813 exceeds guideline minimum of 720 |
| 305030556 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount by $100.00Exception satisfied with PCCD 1/30/26 | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 79 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 60 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 757 is 77 points above minimum program requirement of 680. |
| 305030588 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR expiration date of 1/9/26 is prior to end of earliest rescission date allowable of 1/12/26. | 2.17.2026 Lender provided tracking showing borrower signed at close 1.6.2026 | 2.18.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 732 exceeds min score requirement of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 72.63% / Max LTV 90%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 54 months. |
| 305030588 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date is 1/9/26; disbursement date per Final CD in file is 1/12/26. Borrower did not receive full mandatory rescission period prior to disbursement of funds Requires corrected PCCD, LOX, re-open of rescission-copy of shipping. | 2.17.2026 Lender provided tracking showing borrower signed at close 1.6.2026 | 2.18.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 732 exceeds min score requirement of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 72.63% / Max LTV 90%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 54 months. |
| 305030592 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 79.15% / Max LTV 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 701 exceeds min score requirement of 700. |
| 305030606 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing 2023 and 2024 W2s per AUS requirement. | 3/26/2026 Lender provided 2024/2023 W2 | 3/26/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 739 exceeds minimum required 700 (for LTV at 77.11).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 77.11is lower than max allowed 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 on all credit since 10/1998. |
| 305030702 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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:1/13/2026 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; please provide LOX and post-consummation CD showing an option selected. | 2.19.2026 Lender requested clarification of what is needed, response ; Non-numeric clerical error cure: LOX and post-consummation CD within 60 days of consummation. showing an option selected. 2.25.2026 Lender provided PCCD 2.20 correcting the Loan Disclosures section | 2.19.20206 Exception Remains 2.25.2026 Exception Satisfied | Non-Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 46 months of mortgage history 0x30<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36% DTI; guideline allows up to 50% |
| 305030702 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD: 1/13/2026 In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments doesn't have a value. Please provide a LOX and PCCD showing a value for the monthly amount. | 2.19.2026 Lender requested clarification of what is needed, response ; Non-numeric clerical error cure: LOX and post-consummation CD within 60 days of consummation. a value for the monthly amount. 2.25.2026 Lender provided PCCD 2.20 correcting the Loan Disclosures section | 2.19.2026 Exception Remains2.25.2026 Exception satisfied | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 46 months of mortgage history 0x30<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36% DTI; guideline allows up to 50% |
| 305030702 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD: 1/13/2026 In the CD Escrow section You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] is missing a value. Please provide a LOX and PCCD showing a value for the yearly amount. | 2.19.2026 Lender requested clarification of what is needed, response ; Non-numeric clerical error cure: LOX and post-consummation CD within 60 days of consummation. showing a value for the yearly amount.2.25.2026 Lender provided PCCD 2.20 correcting the Loan Disclosures section | 2.19.2026 Exception Remains2.25.2026 Exception satisfied | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 46 months of mortgage history 0x30<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36% DTI; guideline allows up to 50% |
| 305030739 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | 56.06% DTI > max permitted of 50.0% 1st lien PITIA $5,854.74 {$4,212.80 + $1,366.11 + $275.83} + Subject 2nd $1,502.54 + Investment PIITIA $3,811.16 {$2,748.86 + $965.38 + $96.92} + Consumer debt: $1,214.00 = $12,383.11. Total debt $12,383.11 / Total Income $22,089.36 = 56.06% DTI | 2/10/2026 Received rebuttal total debt is $8,606.21. Reviewer calculated total is $12,383.11 less $8,606.21 = $3,776.90. The investment property PITI was verified at $3,811.14 however it appears the $8,606.21 total does not include the investment property PITI expense. It was disclosed on Final 1003 that full expense was to be included in DTI calculation. With the inclusion the DTI is 56.06%.2/23/2026 Received review of list of figures used to calculate comparing Clayton Review to Lender. First variance is in Investment hazard/tax calculation. Unsure of how lender calculated $1,045.67 used to qualify. Evidence of hazard reflects premium $1,163.00 / 12 = $96.92. Property tax bill reflects annual expense $11,584.50 / 12 = $965.37. Clayton expense of $1,062.69 supported. Since there was no variance in the investment P&I of $2,748.86 and the documented hazard/tax expense the $3,811.15 used is supported. Since there is no rental income being used the full expense of $3,811.15 needs to be included in DTI calculation. The breakdown reflects only loss of $3,527.04 being included however that is not supported by the lender total PITIA loss indicated of $3,793.67. The full PITI needs to be included in DTI without rental income. Only other variance on the breakdown is B2 income however Clayton used a higher amount of $5,036.00 for B2 vs. lender amount $4,879.93 to calculate the 56.06% back DTI. 2/18/2026 Received rebuttal on DTI calculation noting Only the net negative income from the REO (investment property) is added to DTI, not the PITI and the loss. Re-reviewed file. The full PITI expense of the investment property was included in DTI calculation as Final 1003 does not reflect rental income and no documentation was located in the file to verify rental income. If rental income was used, please provide either complete copy of most recent 1040 with Schedule E or most current lease for the property. Without use of rental income qualifying DTI is 56.06%.2/23/2026 Received rebuttal on DTI calculation noting "I believe Clayton is not calculating the DTI correctly on the Benitez loan. Their calculation double-counts the investment property by adding both the full PITI and the net rental loss, which is not guideline-compliant. Please review the file and advise if this condition can be cleared." The investment property is not included in both full PITI and net rental loss as the full PITI of $3811.15 is being counted only once. [Note: On final 1003 Lender used ($3,527.04) and on the 1008 it is not included at all in DTI calculation.] No documentation has been provided to support any rental income possibility (via 1040, Schedule E or with a current lease) 2/25/2026 Received lease for investment property. Use of rental income resolved DTI issue. Back DTI now in line with lender calculated DTI. | 2/10/2026 Exception remains.2/18/2026 Exception remains.2/23/2026 Exception remains. 2/25/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.78% CLTV < max permitted of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 mid score > min required of 700 |
| 305030757 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.01% DTI, Guidelines allow 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower has a 718 mid score, 680 required. |
| 305030762 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 59.63% / Max LTV 90%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 772 exceeds min score requirement of 680.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 10 years. |
| 305030763 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing verification of B1 SS and Pension earnings used to qualify as required by guidelines. Documentation to support $5,601.05 per month used to qualify.2. Missing verification of B2 SS earnings used to qualify as required by guidelines. Documentation to support $1,114.90 per month used to qualify. | 2/23/2026 Received income documents for both borrowers. All earnings used to qualify validated. | 2/23/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.63% CLTV < max permitted of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have47 months mortgage payment history 0x30. |
| 305030763 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | 1. Missing verification of B1 SS and Pension earnings used to qualify as required by guidelines. Documentation to support $5,601.05 per month used to qualify.2. Missing verification of B2 SS earnings used to qualify as required by guidelines. Documentation to support $1,114.90 per month used to qualify. | 2/23/2026 Received income documents for both borrowers. All earnings used to qualify validated. | 2/23/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.63% CLTV < max permitted of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have47 months mortgage payment history 0x30. |
| 305030912 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.23% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80.37%; guidelines allow 85%. |
| 305030914 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Verbal verification dated 12/26/25 is greater than 10 days from Note date 1/12/26. | 2/10/2026 Received Verbal VOE dated in tolerance for B1 reflecting active employment with employer used to qualify. | 2/10/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.00% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.14% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 mid score > min required of 680 |
| 305030976 | XXXXXX | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit score of 741 , exceeds guideline min of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI calculated at 45% which is below guideline max of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Cash reserves of $941, 0000 exceeds guideline minimum of $0.00 |
| 305031014 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid score < min required of 720 |
| 305031045 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score is 745, Program requires 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in same residence 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.09% CLTV < max CLTV permitted of 85% |
| 305031052 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | Final CD 1/16/2026 In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments is missing a value. Please provide LOX and redisclosed CD within 60 days of discovery. | 2.18.2026 Lender provided PCCD 2.18.2026 correcting issue with Escrow | 2.19.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.82 CLTV with 90% max allowed. |
| 305031052 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | Final CD 1/16/2026 In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] is missing a value. Please provided LOX and redisclosed CD showing the value over year 1. | 2.18.2026 Lender provided PCCD 2.18.2026 correcting issue with Escrow | 2.19.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.82 CLTV with 90% max allowed. |
| 305031138 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Provide information on bi-weekly allotment of $2900/mo noted on LES paystub. | 2/26/2026 Received processor cert. Allotment is for funds sent to a secondary depository. | 2/26/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 22% is lower than max of 45%-50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates report on credit report in 19 yr history. |
| 305031199 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x60 months<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history (via consecutive payment histories) 0x30 x34 months |
| 305031201 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Borrower's Interest | Satisfied C A | CMPBI1439 | WV NTB - NTB Worksheet contains no benefit to borrower. | No | missing from file | 3/3/2026 Received rebuttal citing WV Code RE: NTB. Review agrees per WV Code 106-5-15 NTB: Subject transaction is not the refinance of an existing residential mortgage originated < 24 months. | 3/3/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 fico score exceeds guidelines 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40% dti max dti 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years at current residence |
| 305031201 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Borrower's Interest | Satisfied D A | CMPBI1437 | WV NTB - WV Tangible Net Benefit Worksheet not in file | No | Missing from file | 3/3/2026 Received rebuttal citing WV Code RE: NTB. Review agrees per WV Code 106-5-15 NTB: Subject transaction is not the refinance of an existing residential mortgage originated < 24 months. | 3/3/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 fico score exceeds guidelines 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40% dti max dti 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years at current residence |
| 305031211 | XXXXXX | XXXXXX | XXXXXX | MO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 fico score exceeds guidelines 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25% DTI below guidelines requirement max 50 % DTI |
| 305031256 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL138 | Missing copy of 1st lien HUD-1 (subject is 2nd lien) | No | Loan is a piggyback, Missing copy of 1st lien NOTE with terms. | 2/11/2026 Received copy of Fully executed Final CD for new 1st lien. Supports PITI expense used to qualify. | 2/11/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 53 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 51.27% / Max LTV 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 776 exceeds min score requirement of 680. |
| 305031270 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 1/20/26, 2/2/26, 3/10/26, 3/12/26, 3/13/26, 3/17/26 per COC in file. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 83.61% CLTV with a max 90% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 31 years in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 score exceeds 720 minimum required. |
| 305031270 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 1/20/26 per COC in file. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 83.61% CLTV with a max 90% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 31 years in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 score exceeds 720 minimum required. |
| 305031270 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 1/20/26 per COC in file. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 83.61% CLTV with a max 90% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 31 years in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 score exceeds 720 minimum required. |
| 305031319 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 48.75% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.38% CLTV < max permitted of 85% |
| 305031320 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 30.43 is thank max of 85% allowed.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments report in over 30 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been at current employer for 14 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 in 12 years of reported history. |
| 305031454 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A C D | N/A | N/A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Rebuttable Presumption (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $2,781.47. max allowed is $2,284.59; $496.88 is too high. | 2.18.2026 Lender provided spreadsheet | 2.18.2026 Exception Satisfied | (No Data) | Not Applicable | (No Data) |
| 305031454 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A C D | N/A | N/A C | Compliance | State High Cost | Satisfied C A | CMPSTHC343 | GA High-Cost Loan by exceeding point and fee threshold | No | Threshold CalculationAdjusted Charges$3,122.42Total Loan Amount$45,691.81Maximum Charges %5.000%Maximum Charges$2,284.59Charges Margin to Threshold$837.83Total Charges %6.834%Exceeds fees test threshold?Yes | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| 305031454 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A C D | N/A | N/A C | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | No verification docs for PENSION, lender provided value used. | 2/20/2026 Received Annuity benefit letter. Benefit letter indicates benefit of $3,985.81 per month however reflects Annual Lifetime Income amount remaining is $31,886.54. $31,886.54 / $9,985.81 is 8 mos. of payments. Per guidelines income must be documented to agency guidelines. Agency guidelines would require proof of 3 yr. continuance. Provide proof of continuance of the income.2/26/2026 Received additional documentation that supports a lifetime annual withdrawal of $47,829.78 which supports earnings used to qualify.3/2/2026 Received duplicate statement of available balance supporting 3-year continuance ability. | 2/20/2026 Exception remains.2/26/2026 Exception satisfied.3/2/2026 Exception remains satisfied. | (No Data) | Not Applicable | (No Data) |
| 305031456 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.70 DTI with a 50% max allowed. |
| 305031461 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.09% CLTV < max permitted of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 717 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 13 years. |
| 305031475 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide evidence that borrower acknowledged receipt of Initial CD 3 days prior to consummation date of 1/23/2026. | 2.27.2026 CD esigned on 1/16 | 2.27.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.93% CLTV < max permitted of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 mid score > min required of 680 |
| 305031475 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of Initial CD 3 days prior to consummation date of 1/23/2026. | 2.27.2026 CD esigned on 1/16 | 2.27.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.93% CLTV < max permitted of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 mid score > min required of 680 |
| 305031475 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | DTI of 50.01% is over guideline maximum of 50%. Variance due to 1st lien PITIA: Review used $1,054.88. Lender used $1,044.02 | 2/27/2026 Received rebuttal stating The PITIA was calculated with P&L from 1st lien $788.59 + tax cert amount $131.93 + HOI $123.50 (totaling $1,044.02). Monthly mortgage statement for 1st lien previously provided reflecting PITI payment of $1,054.88. 3/10/2026 Received rebuttal requesting re-review of bonus income to $1,135.00/mo | 2/27/2026 Exception remains. 3/10/2026 Re-review of income documentation originally provided confirms review calculated bonus using 24-month average @ $1,115.60 (used lenders lower figure of $1,095.81 to qualify). Review accepts use of slightly higher income calculated during reveiw. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.93% CLTV < max permitted of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 mid score > min required of 680 |
| 305031510 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance fail for $336.00. Discount point increased from$1575.00 on initial CD 2/2/26 to $1911.00 on final CD 2/12/26. No COC provided disclosing increase in fee. Please provide either COC or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 3.6.2026 Lender provided refund check to borrower for 336.00 | 3.9.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have live in same residence for 29+ years. |
| 305031539 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified LTV 65.44% is below the guideline allowable of 75%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0X30 mortgage lates the past 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 47.36 is below guideline requirement of 50% |
| 305031552 | XXXXXX | XXXXXX | XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A B D | N/A | N/A B | Compliance | Federal Higher-Priced | Satisfied B A | CMPFDHP2956 | Federal Higher-priced mortgage loan - Cannot determine if appraisal disclosure was timely | No | See page 499 of upload. Bwr downloaded Appraisal on 2/3/26. Note date is 2/7/26. | 3/5/2026 Client supplied verification disclosure was delivered to borrower within required time frame. | 3/5/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 in full reported mortgage history since February 2013.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 reported on credit report since 12/1998.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Additional bonus noted on paystubs not counted. 3 yrs documentation provided. |
| 305031552 | XXXXXX | XXXXXX | XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A B D | N/A | N/A B | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | (1) Missing two consecutive years W2's supporting qualifying income. Required per AUS approval and lender guidelines. The year-end paystubs provided are insufficient to satisfy this requirement. (2) Missing current YTD paystub within 30 days of transaction (2/7/26). Most recent paystub provided was Y/E 2025. | 2/27/2026 Received trailing documents. Review of file provided matches # of pages previously received for initial file review. It is therefore assumed no additional documentation pertaining to income has been provided. 3/30/2026 Received Y/E 2025 and Y/E 2024 paystubs. Re-review of g/l confirm Y/E pay stubs are satisfactory in lieu of W2's | 3/6/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 in full reported mortgage history since February 2013.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 reported on credit report since 12/1998.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Additional bonus noted on paystubs not counted. 3 yrs documentation provided. |
| 305031553 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34% DRI max DTI 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 fico score exceeds guidelines 680 |
| 305031584 | XXXXXX | XXXXXX | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 44.84/maximum 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 736/minimum 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events |
| 305031598 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing initial CD 1/21/26. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2015 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.51% DTI with a max 50% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 46 years time at current residence. |
| 305031598 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 1/21/26. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2015 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.51% DTI with a max 50% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 46 years time at current residence. |
| 305031598 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide missing initial CD 1/21/26. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2015 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.51% DTI with a max 50% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 46 years time at current residence. |
| 305031598 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 1/21/26. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2015 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.51% DTI with a max 50% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 46 years time at current residence. |
| 305031599 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305031626 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history good with no derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 813/minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.05%/maximum 50% |
| 305031634 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated 01/09/2026 and 01/14/2026 reflect $0 for Estimated Taxes, Insurance & Assessments in the Projected Payments section. For junior liens, disclosure of the first lien Taxes, Insurance & Assessments is required. | 2.12.2026 Lender provided PCCD 2.11.2026 correcting Estimated Taxes, Insurance & Assessments in the Projected Payments | 2.12.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 22 years at current profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 803/minimum 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years at current residence |
| 305031634 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated 01/09/2026 and 01/14/2026- Loan Disclosures- Escrow Account- Estimated Property Costs Over Year 1 reflects $0. | 2.12.2026 Lender provided PCCD 2.11.2026 correcting Loan Disclosures- Escrow Account- | 2.13.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 22 years at current profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 803/minimum 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years at current residence |
| 305031640 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.01% CLTV < max permitted of 90% |
| 305031701 | XXXXXX | XXXXXX | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP2057 | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Please provide a Cert of Compliance or Cert of Exemption | 2.19.2026 Lender provided Cert of Compliance | 2.19.2026 Exception SATISFIED | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 from 2020<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 48.32% DTI with a 50% max allowed. |
| 305031710 | XXXXXX | XXXXXX | XXXXXX | DE | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide CD's issued 2/2/26, 2/4/26, 2/10/26 & 2/11/26. COC shows they were issued due to changes. | 03/17/2026- Client provided CD's issued 2/2/26, 2/4/26, 2/10/26 & 2/11/26. | 03/17/2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 48.42% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid score > min required of 720<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 11 years. |
| 305031710 | XXXXXX | XXXXXX | XXXXXX | DE | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD confirmed received by borrower 3 days prior to consummation date of 2/19/26. | 03/17/2026- Client provided CD's issued 2/2/26, 2/4/26, 2/10/26 & 2/11/26. | 03/17/2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 48.42% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid score > min required of 720<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 11 years. |
| 305031711 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years and 0 months in current residence. |
| 305031712 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305032243 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 32 years in profession<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 32 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 fico score exceeds guidelines 720 |
| 305032267 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.89% DTI with a 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.85% CLTV with a max 80% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 score exceeds 700 minimum for 80% CLTV. |
| 305032269 | XXXXXX | XXXXXX | XXXXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Missing evidence of January 2026 payment. Mortgage statement dated 1/17/26 shows no payment made for January. Note date is 2/2/26. Guidelines do not allow 1x30 in last 6 mos. | 2/20/2026 Received credit supplement verifying mortgage paid 0x30. | 2/20/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.23 is lower than max allowed 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since 1/15/20 for mortgage history. 6 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed with current company for 5 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has been at current residence 16 yrs, 6 mos. |
| 305032273 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 79.72% is less than max allowed 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Per credit report, 0x30 since March 2008.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No late payments reporting on credit report since charge off of revolving debt in April 2019.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B2 has been with current employer since 10/20/14. |
| 305032514 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | XXXXXX inquiry on 1/27/26 not verified. | 3/3/2026 Received rebuttal citing XXXXXX reflects no new debt. | 3/3/2026 Clayton accepts response. Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 mortgage history reporting on credit over 24 mos (including timeshare), 13 years not counting timeshare.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.69 is below max allowed 50%. |
| 305032514 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2996 | Missing Trust Documents | No | No trust cert found on file. | 2/20/2026 Received copy of trust cert. Trust cert acceptable. | 2/20/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 mortgage history reporting on credit over 24 mos (including timeshare), 13 years not counting timeshare.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.69 is below max allowed 50%. |
| 305032518 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 48.68% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.71% CLTV < max permitted of 85% |
| 305032527 | XXXXXX | XXXXXX | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 82.79%; guidelines allow 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.34% is below the guideline maximum of 50%. |
| 305033640 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305033641 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV5738 | CLTV Exceeds Guideline Requirement by less than 5% | No | CLTV over 90% max due to URAR in file with value $462,500. Final 1003 reflects a value of $476,219 causing discrepancy. | 2/27/2026 Received copy of 1003 previously reviewed in original file. The full appraisal determined value of $462,500 and, per the 1003, it appears lender calculated the LTV on estimated value of $476,219 at time of application. | 2/27/2026 Exception remains | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.18% DTI with a 50% max allowed. |
| 305033656 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 706/minimum 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence |
| 305033712 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years at current profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history has 0\*30<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 707/minimum 680 |
| 305033754 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | Final CD 01/21/2026 In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments is missing a value. Please provide LOX and redisclosed CD showing a value. | 2.17.2026 Lender provided PCCD 2.17.2026 adding value. | 2.18.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has occupied subject property for 10 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x60 months > min required of 0x30 x24 months<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x60 months |
| 305033754 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | Final CD 1/21/2026 In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] is missing a value. Please provided LOX and redisclosed CD showing the value over year 1. | 2.17.2026 Lender provided PCCD 2.17.2026 adding value. | 2.18.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has occupied subject property for 10 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x60 months > min required of 0x30 x24 months<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x60 months |
| 305034518 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.71% DTI with a 50% max allowed. |
| 305034519 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305034587 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV5738 | CLTV Exceeds Guideline Requirement by less than 5% | No | CLTV Exceeds Guideline Requirement by less than 5%. Lender included 1st mortgage paydown on CD to reduce balance. With reduction of 1st lien balance to $171,622.64 qualifying LTV is 85.14% which exceeds maximum 85.00%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 48.97% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have32 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 mid score > min required of 700 |
| 305034656 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 for 11 years reporting on credit.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, employed at current employer for 8 yrs 4 mos. |
| 305034692 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing initial Closing Disclosure. Change of Product or Product Feature was not verified. | 3.10.26 Lender provided initial CD | 3.10.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 768 exceeds min score requirement of 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 36 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 84.99% / Max LTV 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 12 years. |
| 305034692 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial Closing Disclosure. Final CD only in file. Per COC Initial CD was issued 1/13/26. | 3.10.26 Lender provided initial CD | 3.10.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 768 exceeds min score requirement of 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 36 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 84.99% / Max LTV 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 12 years. |
| 305034692 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing the initial Closure Disclosure, unable to verify the APR allowance tolerance. | 3.10.26 Lender provided initial CD | 3.10.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 768 exceeds min score requirement of 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 36 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 84.99% / Max LTV 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 12 years. |
| 305034692 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial Closing Disclosure. | 3.10.26 Lender provided initial CD | 3.10.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 768 exceeds min score requirement of 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 36 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 84.99% / Max LTV 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 12 years. |
| 305034693 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Other income on WVOE not used to qualify<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 fico score exceeds guidelines 680 |
| 305035457 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3952 | TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established | No | CD dated 02/05/2026 Projected Payments section shows property taxes are being escrowed. Loan disclosure section states "will not have an escrow account" because "your lender does not offer one". | 3.4.2026 Lender provided PCCD correcting the Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established | 3.4.2026 Exception satisfied | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been self-employed owner of company since 1/26/18.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.64% is lower than max allowed 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 68.38% is lower than max allowed of 85%. |
| 305035457 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5831 | TRID - CD: In the Taxes, Insurance & Assessments section at least one est. amount has Yes or Some for In Escrow, but the Will Not Have an Escrow Account box is checked in Loan Disclosures | No | CD dated 02/05/2026 Projected Payments section shows property taxes are being escrowed. Loan disclosure section states "will not have an escrow account" because "your lender does not offer one". | 3.4.2026 Lender provided PCCD correcting the Taxes, Insurance & Assessments section at least one est. amount has Yes or Some for In Escrow, but the Will Not Have an Escrow Account box is checked in Loan Disclosures | 3.4.2026 Exception satisfied | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been self-employed owner of company since 1/26/18.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.64% is lower than max allowed 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 68.38% is lower than max allowed of 85%. |
| 305036238 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $6,034 max allowed is $4,399.32; $1,634.68 to high). | 2.18.2026 Lender provided rebuttal on affiliates | 2.18.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paying off all tradelines, total monthly payments: $4,508. New monthly payment for HeLoan: $1,358.44. Monthly savings: $3,149.56.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 employed for 5 yrs, 3 mos.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 68% is lower than max allowed 75%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit in 21 year history.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 for 8 yrs 2 mos. |
| 305036239 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to High price threshold (Test rate 9.682 Benchmark rate 5.920 Variance 3.762 Rate spread trigger is 3.5). | 2.17.2026 Lender provided spreadsheet | 2.18.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: B1 carries no balance on any revolving credit.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed with current employer for 27 yrs 10 months.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 reporting on all mortgage history in credit report for 6 yrs 8 months. |
| 305036552 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.72% DTI with a 50% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.55% CLTV with an 85% max allowed. |
| 305036638 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing LE's and CD's. According to the final COC dated 2/18/2026, it appears that we are missing one of the LE's dated 1/8/2026, CD dated 1/11/2026, CD dated 1/19/2026, both CD's dated 2/9/2026, CD dated 2/12/2026 & CD dated 2/17/2026. | 3.27.2026 - Missing LE and CDs received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.68% CLTV with a max 90% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 score exceeds 680 minimum. |
| 305036638 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing LE's and CD's. According to the final COC dated 2/18/2026, it appears that we are missing one of the LE's dated 1/8/2026, CD dated 1/11/2026, CD dated 1/19/2026, both CD's dated 2/9/2026, CD dated 2/12/2026 & CD dated 2/17/2026. | 3.27.2026 - ICD received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.68% CLTV with a max 90% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 score exceeds 680 minimum. |
| 305036638 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing LE's and CD's. According to the final COC dated 2/18/2026, it appears that we are missing one of the LE's dated 1/8/2026, CD dated 1/11/2026, CD dated 1/19/2026, both CD's dated 2/9/2026, CD dated 2/12/2026 & CD dated 2/17/2026. | 3.27.2026 - ICD received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.68% CLTV with a max 90% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 score exceeds 680 minimum. |
| 305036638 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing LE's and CD's. According to the final COC dated 2/18/2026, it appears that we are missing one of the LE's dated 1/8/2026, CD dated 1/11/2026, CD dated 1/19/2026, both CD's dated 2/9/2026, CD dated 2/12/2026 & CD dated 2/17/2026. | 3.27.2026 - ICD received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.68% CLTV with a max 90% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 score exceeds 680 minimum. |
| 305036641 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.81% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 85%. |
| 305036756 | XXXXXX | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305036757 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | State Consumer Protection | Active B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Home Mortgage Information Document not provided | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 37.35%/maximum 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: entered in error<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment is good with no derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 722/minimum 680 |
| 305036775 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Exception is due to missing Initial and revised CDs - no change in product or feature has occurred. Once missing CD's are provided, finding can be cured. | 3.20.2026 LENDER PROVIDED INITIAL CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 82.34% CLTV with a 90% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 score exceeds 720 minimum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.24% DTI with a 50% max allowed. |
| 305036775 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Unable to determine appropriate waiting period due to missing the Initial CD sent on 01/22 and revised CDs. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 82.34% CLTV with a 90% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 score exceeds 720 minimum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.24% DTI with a 50% max allowed. |
| 305036775 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD disclosed on 01/22 and revised CDs sent on 01/29, 02/19, and 02/19. | 3.20.2026 LENDER PROVIDED INITIAL CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 82.34% CLTV with a 90% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 score exceeds 720 minimum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.24% DTI with a 50% max allowed. |
| 305036776 | XXXXXX | XXXXXX | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 fico score exceeds guidelines 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10 years at current job |
| 305036785 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP2057 | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Provide a Cert of Compliance or Cert of Exemption | 2.17.2026 Lender provided form Stating HCO not required. Response :Provide a Cert of Compliance state of Illinois2.19.2026 Lender provided Cert of Compliance | 2.17.2026 Exception Remains 2.19.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.29% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 727 is 27 points above minimum program requirement of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 66.68%; guidelines allow 85%. |
| 305036785 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | Last CD 01/30/2026 In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments is missing a value. Please provide LOX and redisclosed CD within 60 days of discovery. | 2.19.2026 Lender provided PCCD 2.19.2026 Correcting Escrow section. | 2.19.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.29% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 727 is 27 points above minimum program requirement of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 66.68%; guidelines allow 85%. |
| 305036785 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | Last CD 01/30/2026 CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] is missing a value. Please provided LOX and redisclosed CD within 60 days of discovery. | 2.19.2026 Lender provided PCCD 2.19.2026 Correcting Escrow section. | 2.19.2026 Exception satisfied | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.29% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 727 is 27 points above minimum program requirement of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 66.68%; guidelines allow 85%. |
| 305036789 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.36% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 766 is 66 points above minimum program requirement of 700. |
| 305036848 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 has been employed 13 yrs, 6 mos.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 for entire mortgage history of 88 mos. |
| 305036895 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing copy of master condo insurance policy to support sufficient hazard coverage. Only HO6 policy located inn file. | 2/23/2026 Received master condo insurance policy. Support sufficient coverage. | 2/23/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 771 above program requirement 720.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 10 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 44.06% below program maximum 50.00%. |
| 305036900 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing revised LEs 01/07/2026 1/10/2026 1/19/2026 2/16/2026 per Change of Circumstance Disclosure in file. | 3.30.2026 Lender provided requested LE'S | 3.31.2026. Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, employed with same company since 6/16/14.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paying off debts with monthly payments totaling $4,218. New monthly payment for this transaction is $1,961.75.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B2 has been employed with same company since 6/11/12. |
| 305036900 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing initial CD 2/28/2026 and any subsequent CDs 2/28/2026. | 3.30.2026 Lender provided missing Initial CD | 3.31.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, employed with same company since 6/16/14.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paying off debts with monthly payments totaling $4,218. New monthly payment for this transaction is $1,961.75.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B2 has been employed with same company since 6/11/12. |
| 305036900 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 2/28/2026 and any subsequent CDs 2/28/2026. | 3.30.2026 Lender provided missing Initial CD | 3.31.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, employed with same company since 6/16/14.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paying off debts with monthly payments totaling $4,218. New monthly payment for this transaction is $1,961.75.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B2 has been employed with same company since 6/11/12. |
| 305036900 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero Tolerance Fee of $57.78 due to Verification fee. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 3.30.2026 Lender provided COC for increase | 3.31.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, employed with same company since 6/16/14.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paying off debts with monthly payments totaling $4,218. New monthly payment for this transaction is $1,961.75.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B2 has been employed with same company since 6/11/12. |
| 305036900 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 2/28/2026 and any subsequent CDs 2/28/2026. | 3.30.2026 Lender provided missing Initial CD | 3.31.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, employed with same company since 6/16/14.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paying off debts with monthly payments totaling $4,218. New monthly payment for this transaction is $1,961.75.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B2 has been employed with same company since 6/11/12. |
| 305036902 | XXXXXX | XXXXXX | XXXXXX | AK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 fico score exceeds guidelines 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32 % DTI max DTI 50% |
| 305037137 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 77 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 204 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower on same job for over 6.5 years. |
| 305037150 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 299 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 794 is 94 points above minimum program requirement of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 64 months mortgage payment history 0x30. |
| 305037831 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Texas Equity | Satisfied C B | CMPTXEQ5830 | TX Equity - Total fees greater than the allowable cap | No | Total allowable charges are $1042.48 (2%). Adjusted charges on loan are $1818.98 (2.268%). Charges exceed maximum allowed by $139.50 (0.268%).2.18.26-Provide Compliance testing with a pass at or near closing for review OR provide the amount of $139.50 Within 60 days of discovery. CN-1861 | 2.24.2026 Lender provided breakdown of fees | 2.24.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 43.91%/maximum 50% |
| 305037842 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 21.48 is lower than maximum DTI of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed 6 yrs 9 mos with current employer.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO score of 766 exceeds minimum of 700. |
| 305037843 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.10% is lower than max allowed 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 78.92% is less than max allowed 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates report on credit report with history starting February 2014.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 739 exceeds required FICO of 700 (85% CLTV). |
| 305037844 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD confirmed by borrower 3 days prior to consummation date of 2/17/26. | 3.13.2026 Lender provided Initial CD | 3.13.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $10,960.53, reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 16.96% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 mid score > min required of 680 |
| 305037844 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD confirmed by borrower 3 days prior to consummation date of 2/17/26. | 3.13.2026 Lender provided Initial CD | 3.13.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $10,960.53, reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 16.96% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 mid score > min required of 680 |
| 305037844 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD confirmed by borrower 3 days prior to consummation date of 2/17/26. | 3.13.2026 Lender provided Initial CD | 3.13.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $10,960.53, reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 16.96% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 mid score > min required of 680 |
| 305037844 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD confirmed by borrower 3 days prior to consummation date of 2/17/26. | 3.13.2026 Lender provided Initial CD | 3.13.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $10,960.53, reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 16.96% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 mid score > min required of 680 |
| 305037846 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued 1/16/26 per COC. | 3.6.2026 Lender provided initial CD 1/16/26 | 3.9.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.68% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 726, guidelines require 680. |
| 305037846 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued 1/16/26 per COC. | 3.6.2026 Lender provided initial CD 1/16/26 | 3.9.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.68% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 726, guidelines require 680. |
| 305037846 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD issued 1/16/26 per COC. | 3.6.2026 Lender provided initial CD 1/16/26 | 3.9.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.68% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 726, guidelines require 680. |
| 305037846 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing verification of borrowers residency status. | 3/26/2026 Lender supplied satisfactory citizenship verification via green card. | 3/31/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.68% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 726, guidelines require 680. |
| 305037846 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing evidence of Condo Association Master Insurance policy reflecting sufficient coverage for subject property. | 3/26/2026 Lender provided satisfactory association policy | 3/31/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.68% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 726, guidelines require 680. |
| 305038019 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Repayment Ability | Satisfied B A | CMPSTRA1497 | File does not contain a repayment ability worksheet | No | Missing repayment ability worksheet | 2/17/2026 Received income analysis. Along with 1008 ability to repay deomonstrated. | 2/17/2026 Exception satsifed. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 19.79% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.75% CLTV < max permitted of 90% |
| 305038020 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing income documentation for B1: 2 years consecutive personal and business tax returns, current balance sheet and P&L | 2/20/2026 Received most recent 2 yrs. personal and business returns with P&L. 2025 YTD Balance Sheet was not provided.2/27/2026: Received rebuttal from Lender reflecting Schedule L (aka: "Balance sheet per books") from 1120s for tax years 2023 and 2024 this is insufficient per g/l requirement specifying: "Balance Sheet including the most recent month preceding the loan application date". Application date is 12/19/2025. 3/11/2026 Received rebuttal from Lender asking for status of ATR/QM status. Exception currently remains pending receipt of balance sheet. 3/17/2026 Received request to clarify why documents previously provided not acceptable. In review of documents provided on 2/27/2026 is just a copy of Schedule C from the 2024 1120S return. Guidelines require either a borrower or CPA completed balance sheet that covers the most recent month preceding the loan application date". Application date is 12/19/2025. A balance sheet that covers 2025 through 11/2025 at minimum is required. 3/18/2026 Received rebuttal from client with (4) 2025 Y/E Balance Sheets. Review accepts as satisfactorily supporting income used to qualify. | 2/20/2026 Exception remains for 2025 YTD Balance Sheet.2/27/2026: Exception remains for 2025 YTD Balance Sheet. 3/11/2026: Exception remains for 2025 YTD Balance Sheet. 3/17/2026 Exception remains.3/18/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years time on job.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2021.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 score exceeds 740 minimum required. |
| 305038020 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not in file; need in order to complete fee entry | 2.20.2026 Lender provided seller CD | 2.20.2026 Exception Satisfied | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years time on job.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2021.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 score exceeds 740 minimum required. |
| 305038020 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing required income documentation for B1: 2 consecutive years personal and business tax returns. | 2/20/2026 Received most recent 2 yrs. personal and business returns. | 2/20/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years time on job.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2021.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 score exceeds 740 minimum required. |
| 305038020 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing YTD profit and loss statement. | 2/20/2026 Received YTD P&L. Supports earnings. | 2/20/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years time on job.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2021.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 score exceeds 740 minimum required. |
| 305038020 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Income/Employment | Satisfied D A | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No | Missing balance sheet. | 2/27/2026: Received rebuttal from Lender reflecting Schedule L (aka: "Balance sheet per books") from 1120s for tax years 2023 and 2024 this is insufficient per g/l requirement specifying: "Balance Sheet including the most recent month preceding the loan application date". Application date is 12/19/2025. 3/17/2026 Received request to clarify why documents previously provided not acceptable. In review of documents provided on 2/27/2026 is just a copy of Schedule C from the 2024 1120S return. Guidelines require either a borrower or CPA completed balance sheet that covers the most recent month preceding the loan application date". Application date is 12/19/2025. A balance sheet that covers 2025 through 11/2025 at minimum is required. 3/18/2026 Received rebuttal from client inquiring why documents sent on 3/6/2026 have not yet been reviewed. Review of all documents received do not reflect receiving documentation on 3/6/2026. Last document received date is 2/27/20263/18/2026 Received rebuttal from client with (4) 2025 Y/E Balance Sheets. Review accepts as satisfactorily supporting income used to qualify. | 2/27/2026: Exception remains.3/17/2026: Exception remains.3/18/2026: Exception remains. 3/18/2026: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years time on job.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2021.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 score exceeds 740 minimum required. |
| 305038023 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.83% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 30.24%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 805 mid score > min required of 680 |
| 305038026 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 741 is 21 points above minimum program requirement of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.30% DTI < maximum permitted of 50% |
| 305038031 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date is on 01/28/2026 but recission date is 01/29/2026. We need acknowledgment of recission timeline required. | 2.26.2027 Lender response Loan was disbursed on 1.30.2026 | 2.27.26 Exception Satisfied | (No Data) | Not Applicable | (No Data) |
| 305038052 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score 771 which exceeds guideline minimum of 720<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30 mortgage lates in the past 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 38.39 is below guideline maximum of 50% |
| 305038055 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.48% CLTV < max permitted of 85%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 615 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 64 months > max permitted of 0 X 30 X 12 months. |
| 305038356 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.90%, max allowed 50%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: B1 carries no debt on revolving lines of credit.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 49.77% is lower than max allowed 70%. |
| 305038358 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.30% is below the guideline maximum of 50%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CB has been with current employer for more than 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid score > min required of 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 90% CLTV = max permitted of 90% |
| 305038690 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have60 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.75% CLTV < max permitted of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 684 mid score > min required of 680 |
| 305038735 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 794/minimum 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 75 years in current residence |
| 305038749 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Missing evidence 12/25 payment made for XXXXXX. Credit report displays paid through 11/25. Payoff letter confirms due for 2/15/26 payment. Per guidelines, Borrower must be 0x30 in last 6 mos. | 2/23/2026 Received Wells statements supports account current with no late pays. | 2/23/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 reporting through credit report since 11/03.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 34.03% is below max of 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 for all mortgage history reporting on credit since 2012.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 752 exceeds minimum required score of 680. |
| 305038750 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing evidence of December 2025 mortgage payment to XXXXXX. Last reported payment on credit report: 11/25. Note date: 1/26/26. Mortgage statement in file dated2/2/26 confirms February 2026 payment made on time. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 history since 12/14/11.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 on all credit history back to August 1994. |
| 305038753 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Texas Home Equity | Active B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 18 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 687 exceeds min score requirement of 680.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 31 months. |
| 305038753 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Texas Home Equity | Active B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 18 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 687 exceeds min score requirement of 680.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 31 months. |
| 305038765 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Borrower's Interest | Satisfied D A | CMPBI1437 | WV NTB - WV Tangible Net Benefit Worksheet not in file | No | No NTB worksheet in file. | 3/10/2026 Received rebuttal from client RE: WV necessity for worksheet | 3/10/2026. Per WV Code 106-5-15 NTB: Subject transaction is not the refinance of an existing residential mortgage originated < 24 months. Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 in full credit history since 11/21/13.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 on all mortgage payment history, starting April 2014.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with current employer since 1/1/15. |
| 305038768 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 fico score exceeds guidelines 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8 years at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37% DTI max DTI 50% |
| 305038852 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years in current home.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.76% DTI with 50% max allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 22 years time in profession. |
| 305039381 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% CLTV with a 90% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.40% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 727 score exceeds the 680 minimum. |
| 305039472 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $3,813.77 max allowed is $3,779.73; $34.04 to high). | Lender provided fees | Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.63% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 702 is 22 points above minimum program requirement of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 65%; guidelines allow 75%. |
| 305039517 | XXXXXX | XXXXXX | XXXXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | N/A | N/A C | N/A | N/A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to High price threshold (Test rate 11.333 Benchmark rate 6.270 Variance 5.163 Rate spread trigger is 3.5). | 3/3/2026 Received rebuttal without commentary. Review of documentation previously provided supports lender initial determination of Non-QM is equal to review determination. | 3/3/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 fico score exceeds guidelines 620<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 11 years at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26% DTI max DTI 45 |
| 305039518 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 8 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.77% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 mid score > min required of 680 |
| 305039519 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 737, Guidlines require 720 at 90% LTV<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a 3.95% utilization rate on revolving debt. |
| 305039632 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 for 6 years reporting on credit.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 26.78% after paying off debts at closing is below max allowed DTI of 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: With exception to 1x30 in 2023, B1 has no other late payments reporting in 9 year credit history. |
| 305039634 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD 1/30/26, 2/12/26, 2/21/26 and 2/23/26 (1) missing from file. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 50 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.27% CLTV < max permitted of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid score > min required of 700 |
| 305039634 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | COC (p 124 of PDF) shows initial CD issued 1/30/26 that is missing from file. Please provide | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 50 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.27% CLTV < max permitted of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid score > min required of 700 |
| 305039634 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation. | No | 10% tolerance fail for $12.41. Verification of employment added to final CD 2/23/26. No COC provided disclosing addition of fee. Please provide either COC or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 4.17.2026 - COC provided | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 50 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.27% CLTV < max permitted of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid score > min required of 700 |
| 305039634 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | COC (p 124 of PDF) shows initial CD issued 1/30/26 that is missing from file. Please provide | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 50 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.27% CLTV < max permitted of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid score > min required of 700 |
| 305040449 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 85.16% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.33% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 mid score > min required of 720 |
| 305040450 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 43.72% CLTV < 75% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.84% DTI with a 50% max allowed. |
| 305040451 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.68% DTI with a 50% max allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years time on job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 score exceeds the 720 minimum required. |
| 305040482 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR in file is signed by the borrowers on 02/17/2026 with an expiration date of 02/20/2026. Per Final CD dated 02/13/2026, Disbursement date is 02/20/2026. Disbursement date is before end of statutory rescission period | 3.5.2026 Lender provided disbursement date | 3.5.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 44 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 726 > min required score of 680 |
| 305040482 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated 02/09/2026 and 02/13/2026 reflect $0 for Estimated Taxes, Insurance & Assessments in the Projected Payments section. For junior liens, disclosure of the first lien Taxes, Insurance & Assessments is required. | 3.5.2026 Lender provided PCCD that corrects CD Projected Payments section the Estimated Taxes, Insurance and Assessments | 3.5.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 44 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 726 > min required score of 680 |
| 305040482 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated 02/09/2026 and 02/13/2026- Loan Disclosures- Escrow Account- Estimated Property Costs Over Year 1 reflects $0. | 3.5.2026 Lender provided PCCD that corrects CD In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | 3.5.2026 Exception satisfied | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 44 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 726 > min required score of 680 |
| 305040485 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 fico score exceeds guidelines 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8 years at current job |
| 305040492 | XXXXXX | XXXXXX | XXXXXX | FL | ATR Risk: Non-QM - Lender did not document all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 722/minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.79%/maximum 50% |
| 305040493 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 in 28 yr credit history. |
| 305040608 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Please provide documentation to prove that the borrowers esigned the LE dated 1/13/2026. | 2.25.26 Lender provided disclosure tracking showing borrower received and acknowledged on 1.15.26 | 2.25.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 fico score exceeds guidelines 700<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 22 years at current job |
| 305041949 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | Texas Home Equity | Satisfied D B | CMPTXHE117 | TX Equity - Missing Affidavit of Fair Market Value | No | Please provide missing Affidavit of Fair Market Value . | 3.18.2026 Lender provided Fair Market Value disclosure | 3.18.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.45% CLTV with a 90% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 score exceeds 680 minimum required. |
| 305042028 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero Tolerance Fee of $216 due to Transfer Taxes fee increase on LE 1/10/2026, and LE 1/15/2026. Provide a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower with proof of delivery via tracking method within 60 days of consummation. COC 'S in file do not explain which fees changed | 3.4.2026 Lender provided CD'S , COC for incresase is what is required. | 3.5.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.51% LTV; Guidelines allow up to 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.85% LTV; Guidelines allow up to 45% |
| 305042029 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR expiration date of 1/29/26 is prior to end of earliest rescission date allowable of 1/31/26. | 2.27.2026 Lender rebuttal loan closed on 1.26.2027 Disbursement date was after resscion period | 2.27.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.72% CLTV < max permitted of 75%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 688 mid score > min required of 680 |
| 305042029 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date is 1/29/26; disbursement date per Final CD in file is 1/30/26. Borrower did not receive full mandatory rescission period prior to disbursement of funds Requires corrected PCCD, LOX, re-open of rescission-copy of shipping. | 2.27.2026 Lender rebuttal loan closed on 1.26.2027 Disbursement date was after resscion period | 2.27.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.72% CLTV < max permitted of 75%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 688 mid score > min required of 680 |
| 305042055 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Texas Home Equity | Active B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for more than 49 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.73% CLTV < max permitted of 90% |
| 305042055 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Texas Home Equity | Active B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for more than 49 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.73% CLTV < max permitted of 90% |
| 305042056 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | D: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null. LOX and redisclosed CD within 60 days of discovery. | 2.19.2026 Lender provided PCCD 2.19.2026 updating the escrows. | 2.19.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 16 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $9,747.56 (2.47 months PITIA reserves) > min required reserves of $0<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80.0% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 700 |
| 305042056 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | No value was present on the final CD. LOX and redisclosed CD within 60 days of discovery | 2.19.2026 Lender provided PCCD 2.19.2026 updating the escrows | 2.19.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 16 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $9,747.56 (2.47 months PITIA reserves) > min required reserves of $0<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80.0% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 700 |
| 305042062 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% CLTV with a 90% max allowed. |
| 305042064 | XXXXXX | XXXXXX | XXXXXX | WY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 33.34 is below guideline requirement of 50%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 01x30 mortgage lates in the past 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 724 exceeds guideline minimum of 720 |
| 305042078 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Initial Closing Disclosure. Unable to determine if product or feature changed. Need CD. | 03/17/2026- Client provided CD's dated 01/20/2062, 02/13/2026, and 02/18/2026. | 03/17/2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 score with a 700 minimum allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 40 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.83% DTI with a 50% max allowed. |
| 305042078 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial Closing Disclosure. | 03/17/2026- Client provided CD's dated 01/20/2062, 02/13/2026, and 02/18/2026. | 03/17/2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 score with a 700 minimum allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 40 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.83% DTI with a 50% max allowed. |
| 305042078 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial Closing Disclosure. | 03/17/2026- Client provided CD's dated 01/20/2062, 02/13/2026, and 02/18/2026. | 03/17/2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 score with a 700 minimum allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 40 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.83% DTI with a 50% max allowed. |
| 305042251 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Please provide LE 1/19/2026 and any subsequent CDs. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 700<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for more than 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.58% CLTV < max permitted of 90% |
| 305042251 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | We only have the Final CD dated 3/2/2026. Once we have the Initial CD dated 2/27/2026, this exception should go away. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 700<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for more than 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.58% CLTV < max permitted of 90% |
| 305042251 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | We only have the Final CD dated 3/2/2026. Once we have the Initial CD dated 2/27/2026, this exception should go away. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 700<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for more than 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.58% CLTV < max permitted of 90% |
| 305042251 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide Initial CD sent 2/27/2026 according to COC. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 700<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for more than 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.58% CLTV < max permitted of 90% |
| 305042253 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.40% DTI with a 50% max allowed. |
| 305042254 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39 % DTI max DTI 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 fico score exceeds guidelines 680 |
| 305042255 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 23.50% DTI with a 50% max allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 18 years time on job. |
| 305042257 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.42% < max permitted of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 4 years. |
| 305042260 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD with evidence that borrower acknowledged receipt of CD 3 days prior to consummation date. | 4.1.2026 - ICD received | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 701/minimum 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years at current residence |
| 305042260 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD with evidence that borrower acknowledged receipt of CD 3 days prior to consummation date. | 4.1.2026 - ICD received | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 701/minimum 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years at current residence |
| 305042260 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD with evidence that borrower acknowledged receipt of CD 3 days prior to consummation date. | 4.1.2026 - ICD received | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 701/minimum 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years at current residence |
| 305042261 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | TILA/RESPA Integrated Disclosure | Active B | CMPTRID5806 | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights.Neglected to include Mary Lou Owens on 01/28/26 CD prior to Final CD. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.96 is below max allowed 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 755 exceeds minimum of 720.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 in past 41 months. 1x30 in 8/22 is only mortgage late reporting on credit in 204 months. |
| 305042262 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x greater than 99 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.56% DTI < max permitted of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 17 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid score > min required of 700 |
| 305042263 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.55% is below the guideline maximum of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 mid score > min required of 720 |
| 305042265 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing either a written VOE or the 2023 or 2025 W2 to complete requirement of 2-year income verification. (2024 Y/E pay stub was provided) | 3/26/2026 Received 2023 and 2025 W2. | 3/30/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30 mortgage lates in the past 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 722 exceed guideline minimum of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 48.44 is below guideline maximum of 50% |
| 305042266 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing all income documentation to support $3135.00 and $1978.70 for Borrower and $4039.55 for Co-Borrower. | 3/31/2026 Received satisfactory income documentation | 3/31/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have42 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 mid score > min required of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $1,263.77 in post closing reserves or 0.37 months PITI. 0 months reserves required. |
| 305042266 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Income/Employment | Satisfied D A | CRDINC2302 | Missing Required Income Documentation | No | Missing all income documentation to support $3135.00 and $1978.70 for Borrower and $4039.55 for Co-Borrower. | 3/31/2026 Lender submitted satisfactory income documentation. | 3/31/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have42 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 mid score > min required of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $1,263.77 in post closing reserves or 0.37 months PITI. 0 months reserves required. |
| 305042267 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have29 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 27.97% CLTV < max permitted of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 mid score > min required of 680 |
| 305042268 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 11 years at current profession<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 30.92/maximum 50%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history 0\*30\*54 |
| 305042630 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305042631 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 FICO score exceeds guidelines 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years at current residence |
| 305042634 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 from 2018 per CR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years 10 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.33% CLTV with a max 85% allowed. |
| 305042635 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Texas Home Equity | Active B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 36 years in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 689 FICO score exceeds guidelines 680 |
| 305042635 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Texas Home Equity | Active B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 36 years in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 689 FICO score exceeds guidelines 680 |
| 305042640 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | Final CD 2/4/26 In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments is missing a value. Please provide LOX and redisclosed CD showing a value. | 2.24.2026 Lender sent corrected PCCD in. | 2.24.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 45.80% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have54 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 72.67%; guidelines allow 75%. |
| 305042640 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | Final CD 2/4/26 In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] is missing a value. Please provide LOX and redisclosed CD showing the value over year 1. | 2.24.2026 Lender sent corrected PCCD in. | 2.24.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 45.80% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have54 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 72.67%; guidelines allow 75%. |
| 305042668 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of 02/15/2026. | 3/12/26 - Lender provided initial CD dated 1/22/26. | 3/12/26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.08% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2020. |
| 305042668 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial Closing Disclosure. | 3/12/26 - Lender provided initial CD dated 1/22/26. | 3/12/26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.08% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2020. |
| 305042670 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance fail of $690.00 for addition of appraisal fee on final CD 2/5/26. No COC provided disclosing addition of fee. Please provide either COC or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 3.6.2026 Lender provided refund to borrow for 690.00 on PCCD 3.5.2026, LOE , missing copy of refund check to borrower , exception remains 3.16.2026 Lender provided copy of refund check to borrower for 690.00 | 3.9.2026 Exception Remains 3.16.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have55 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 81.46% CLTV < max permitted of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 mid score > min required of 700 |
| 305042671 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 46.15 is below guideline max of 50%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Verified 0x30 days mortgage late in the past 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 724 Exceeds guideline minimum of 720 |
| 305042680 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Credit history is positive.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has been in the same procession for 30 years |
| 305042977 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has occupied subject property for 9.7 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x51 months |
| 305043006 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CB has been with current employer for more than 24 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.54% CLTV < max permitted of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 689 mid score > min required of 680 |
| 305043012 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing initial CD from file. Per Disclosure tracking Compliance check, initial Closing Disclosure package sent on 2/17/2026. | 3.23.2026 - ICD received. | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years time in residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 score exceeds 720 minimum required. |
| 305043012 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD from file. Per Disclosure tracking Compliance check, initial Closing Disclosure package sent on 2/17/2026. | 3.23.2026 - ICD received. | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years time in residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 score exceeds 720 minimum required. |
| 305043012 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD from file. Per Disclosure tracking Compliance check, initial Closing Disclosure package sent on 2/17/2026. | 3.23.2026 - ICD received. | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years time in residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 score exceeds 720 minimum required. |
| 305043013 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing CD's 1/22/2026, 1/22/26, 2/16/26 and 2/17/26 per COC in file. | 3.23.2026 - ICD received | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.64% DTI with a 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.29% CLTV with an 85% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 score with a 700 minimum required. |
| 305043013 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD 1/22/2026 per COC in file. | 3.23.2026 - ICD received | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.64% DTI with a 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.29% CLTV with an 85% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 score with a 700 minimum required. |
| 305043013 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD 1/22/2026 per COC in file. | 3.23.2026 - ICD received | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.64% DTI with a 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.29% CLTV with an 85% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 score with a 700 minimum required. |
| 305043014 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero Tolerance Fee of $25.75 due to (Credit Report Fee) increased from LE to final CD. No COC provided disclosing increase of fee. Please provide letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 3.6.2026 Lender provided COC for increase. | 3.6.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 30 months of mortgage history 0x30<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.85% CLTV: Guidelines allow 80% |
| 305043015 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | N/A | N/A D C | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 2/15/26. | 4.1.2026 - ICD received | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 765 above program requirement 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years 5 months at current job.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 60 mos. 0x30 and 6 mos. 0x30. |
| 305043015 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | N/A | N/A D C | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/15/26. | 4.1.2026 - ICD received | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 765 above program requirement 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years 5 months at current job.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 60 mos. 0x30 and 6 mos. 0x30. |
| 305043015 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | N/A | N/A D C | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD 2/15/26. | 4.1.2026 - ICD received | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 765 above program requirement 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years 5 months at current job.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 60 mos. 0x30 and 6 mos. 0x30. |
| 305043015 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | N/A | N/A D C | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/15/26. | 4.1.2026 - ICD received | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 765 above program requirement 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years 5 months at current job.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 60 mos. 0x30 and 6 mos. 0x30. |
| 305043015 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | N/A | N/A D C | N/A | N/A D | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing master condo insurance policy to support sufficient building coverage. Provide current policy for reivew. | 4/9/2026 Lender provided satisfactory copy of association master policy. | 4/13/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 765 above program requirement 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years 5 months at current job.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 60 mos. 0x30 and 6 mos. 0x30. |
| 305043015 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | N/A | N/A D C | N/A | N/A D | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Subject loan identified as Non-QM by Lender. Per Guidelines Non-QM loans only permitted where APR threshold exceed QM eligibility. Subject loan is Non-QM due to fees too high (adjusted charges are $4,933.02, max allowed is $4,139.00; $794.02 too high). | 4.1.2026 Lender provided requested documentation | 4.1.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 765 above program requirement 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years 5 months at current job.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 60 mos. 0x30 and 6 mos. 0x30. |
| 305043939 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide Initial CD | 2.27.2026 Lender provided initial CD | 3.2.2026 Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 305043939 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide Initial CD | 2.27.2026 Lender provided initial CD | 3.2.2026 Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 305044624 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 rep score; minimum score required 700 |
| 305044767 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 25.22/70.56% LTV/CLTV for Subject Property is below guideline max LTV/CLTV of 75%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 20 years and 0 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 687 > 7 points above guideline program minimum of 680. |
| 305044771 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH2416 | Questionable factors on credit report | No | Fraud Victim statement noted on credit report. No evidence of KYC validation. | 3/20/2026 Received rebuttal from client with no supporting documentation. Rebuttal simply stated "Fraud Cert" 3/26/2026 Received processor's cert confirming KYC protocol was followed and application verified directly with borrower. | 3/20/2026 Exception remains 3/26/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed for 5 yrs 7 mos at current employer.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.29 percent is lower than max allowed 50%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 mortgage history for 3 yrs 1 mos.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 on all credit reporting since 2019. |
| 305044817 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued and confirmed 3 days prior to consummation date of 2/10/26. | 2.27.2026 Lender rebuttal to see CD 2/3, response CD 2/3 missing from File. 3.4.2026 Lender provided Initial CD | 2.27.2026 Exception Remains 3.4.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have44 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.43% CLTV < max permitted of 90% |
| 305044817 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued and confirmed 3 days prior to consummation date of 2/10/26. | 2.27.2026 Lender rebuttal to see CD 2/3, response CD 2/3 missing from File. 3.4.2026 Lender provided Initial CD | 2.27.2026 Exception Remains3.4.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have44 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.43% CLTV < max permitted of 90% |
| 305044819 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 22 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 72.55%; guidelines allow 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.61% is below the guideline maximum of 50%. |
| 305044820 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D B | Compliance | Section 32 | Satisfied C B | CMPS32371 | Section 32 Loan per Points and Fees Test | No | According to system, file is $29.85 over Section 32 threshold. Lender-provided calculations are within tolerance.Threshold CalculationAdjusted Charges$4,708.91Total Loan Amount$93,581.12Maximum Charges %5.000%Maximum Charges$4,679.06Charges Margin to Threshold$29.85Total Charges %5.032%Exceeds fees test threshold?Yes | 4.9.2026 - Appraisal invoice provided and LOX . Only portion of appraisal paid to affiliate. Fee data inputs updated. | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.48% DTI with a 50% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2012 per CR. |
| 305044820 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Unable to determine accurate waiting period as we are missing the Initial CD - only CD on file was issued 02/27 and received/signed by borrower 02/28. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.48% DTI with a 50% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2012 per CR. |
| 305044820 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD disclosed on 01/22. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.48% DTI with a 50% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2012 per CR. |
| 305044821 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 64.00% below program maximum 85.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 53 mos. 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 23 years 11 months at current residence. |
| 305044822 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5 Years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 FICO score exceeds guidelines 700 |
| 305044823 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Only CD in file is dated 2/28/26 and signed 2/28/26. Please provide initial CD dated 3 days prior to consummation date of 2/28/26. | 3.30.2026 Lender provided initial CD | 3.31.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 751 is 31 points above minimum program requirement of 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 85%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.17% DTI < maximum permitted of 50% |
| 305044823 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Only CD in file is dated 2/28/26 and signed 2/28/26. Please provide initial CD dated 3 days prior to consummation date of 2/28/26. | 3.30.2026 Lender provided initial CD | 3.31.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 751 is 31 points above minimum program requirement of 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 85%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.17% DTI < maximum permitted of 50% |
| 305044823 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Initial CD missing. | 3.30.2026 Lender provided initial CD | 3.31.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 751 is 31 points above minimum program requirement of 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 85%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.17% DTI < maximum permitted of 50% |
| 305044825 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Initial CD issued 02/10/2026. Need proof initial CD was received by borrower 3 days before consummation date. | 3.11.2026 Lender provided proof of delivery on initial CD | 3.11.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x216 months > max permitted of 0x30 x24 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 12 months > max permitted of 0 X 30 X 216 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 736 > min required score of 680 |
| 305044825 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD issued 02/10/2026. Need proof initial CD was received by borrower 3 days before consummation date. | 3.11.2026 Lender provided proof of delivery on initial CD | 3.11.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x216 months > max permitted of 0x30 x24 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 12 months > max permitted of 0 X 30 X 216 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 736 > min required score of 680 |
| 305044866 | XXXXXX | XXXXXX | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 fico score exceeds guidelines 680 |
| 305044884 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing the Affiliate Business Disclosure | 3.23.2026 - Attestation of no affiliates provided | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years time in residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.09% CLTV with a max 85% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 14.9 and 11.6 years time in profession. |
| 305044885 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 fico score exceeds guidelines 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44% DTI is below max DTI 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5 years at current job |
| 305044888 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued and confirmed three days prior to consummation. | 3.19.2026 Lender provided Initial CD | 3.19.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 reporting on credit report since 11/7/2007.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 65.22% is lower than max allowed 75%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 mortgage history reporting since 5/4/12. |
| 305044888 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued and confirmed three days prior to consummation. | 3.19.2026 Lender provided Initial CD | 3.19.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 reporting on credit report since 11/7/2007.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 65.22% is lower than max allowed 75%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 mortgage history reporting since 5/4/12. |
| 305044888 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD issued and confirmed three days prior to consummation. | 3.19.2026 Lender provided Initial CD | 3.19.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 reporting on credit report since 11/7/2007.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 65.22% is lower than max allowed 75%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 mortgage history reporting since 5/4/12. |
| 305044888 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD issued and confirmed three days prior to consummation. | 3.19.2026 Lender provided Initial CD | 3.19.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 reporting on credit report since 11/7/2007.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 65.22% is lower than max allowed 75%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 mortgage history reporting since 5/4/12. |
| 305044928 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for CD 1/27/26 received 3 days prior to consummation date of 1/30/26. | 3.4.2026 Lender provided Initial CD | 3.5.26 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.95% CLTV with a 90% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.94% DTI with a 50% max allowed. |
| 305044928 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for CD 1/27/26 received 3 days prior to consummation date of 1/30/26. | 3.4.2026 Lender provided Initial CD | 3.5.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.95% CLTV with a 90% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.94% DTI with a 50% max allowed. |
| 305044940 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 66 months of mortgage history 0x30<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.26% CLTV < max permitted of 90% |
| 305044944 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Please provide documentation to prove that the borrower esigned the LE dated 1/10/2026. | 2.19.2026 Lender provided Tracking Disclosure. | 2.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.05% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.44% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 mid score > min required of 680 |
| 305044946 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305045272 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 fico score exceeds guidelines 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence |
| 305045280 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing XXXXXX forXXXXXX to evidence PITI breakdown and Paid through 2/2/2026. | 3/4/2026 Received rebuttal from client to clarify necessity for mortgage coupon. Exception intention was to confirm first lien with XXXXXX was paid current at time of subject transaction (2/13/26)Credit report reflected date of last activity 12/2025. Review of documentation provided located mortgage statement dated 1/2/26 with next due of 2/1/2026, which satisfactorily verifies loan was not delinquent at time of closing. | 3/4/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Verified 0x30 days late in the past 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 34.09 is below guideline requirement of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 773 exceeds guideline minimum of 720 |
| 305045282 | XXXXXX | XXXXXX | XXXXXX | WY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken on 01/21/2026, the Housing Counselors Organization List was not issued until 03/05/2026. Greater than the required 3 days. Please provide the Housing Counselors Organization List issued within the 3 days of the application date 01/21/2026. | 3.17.2026 Lender provided HOC dated 1./21.2026 | 3.17.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since 5/3/08.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been employed by current company since 9/4/13 per VVOE.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 722 exceeds minimum required 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed with same company since 2/1/28 per VVOE. |
| 305045632 | XXXXXX | XXXXXX | XXXXXX | KY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide CD's issued 1/25/26, 2/4/26 & 2/10/26. These CD are shown on COC as issued to borrower due to change. | 3.20.2026 Lender provided Initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates reporting in full history on credit report. Oldest tradeline December 1995.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 762 exceeds minimum required 720,<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 reported history since 11/2003. |
| 305045632 | XXXXXX | XXXXXX | XXXXXX | KY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide CD's issued 1/25/26, 2/4/26 & 2/10/26. These CD are shown on COC as issued to borrower due to change. | 3.20.2026 Lender provided Initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates reporting in full history on credit report. Oldest tradeline December 1995.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 762 exceeds minimum required 720,<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 reported history since 11/2003. |
| 305045632 | XXXXXX | XXXXXX | XXXXXX | KY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Provide CD's issued 1/25/26, 2/4/26 & 2/10/26. These CD are shown on COC as issued to borrower due to change. | 3.20.2026 Lender provided Initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates reporting in full history on credit report. Oldest tradeline December 1995.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 762 exceeds minimum required 720,<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 reported history since 11/2003. |
| 305045633 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 61.40% is lower than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 746 exceeds minimum required FICO of 680.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments report on credit report in 22 yrs 4 mos reporting. |
| 305045647 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing LE dated 01/29/2026 per the Current Change Circumstance and the Compliance Check | 3.20.2026 Lender provided LE 1/29/2026 | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.95% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 745 is 25 points above minimum program requirement of 720 |
| 305045647 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.95% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 745 is 25 points above minimum program requirement of 720 |
| 305045647 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing CD's dated 02/03/2026 and 02/06/2026. Need proof initial CD was received by borrower 3 days before consummation date of 02/23/2026 | 3.20.2026 Lender provided missing initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.95% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 745 is 25 points above minimum program requirement of 720 |
| 305045648 | XXXXXX | XXXXXX | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued and confirmed received by borrower 3 days prior to consummation date. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 78.17% is lower than max allowed 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 reporting on credit since 6/27/2008.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 reporting since August 2021. 2x30 to credit card. No other late payments reporting.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 730 exceeds minimum FICO required 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Back-end DTI of 35.13 is lower than max allowed 50%. |
| 305045648 | XXXXXX | XXXXXX | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued and confirmed received by borrower 3 days prior to consummation date. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 78.17% is lower than max allowed 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 reporting on credit since 6/27/2008.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 reporting since August 2021. 2x30 to credit card. No other late payments reporting.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 730 exceeds minimum FICO required 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Back-end DTI of 35.13 is lower than max allowed 50%. |
| 305045648 | XXXXXX | XXXXXX | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD issued and confirmed received by borrower 3 days prior to consummation date. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 78.17% is lower than max allowed 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 reporting on credit since 6/27/2008.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 reporting since August 2021. 2x30 to credit card. No other late payments reporting.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 730 exceeds minimum FICO required 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Back-end DTI of 35.13 is lower than max allowed 50%. |
| 305045947 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 77.15 is lower than max allowed 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed with current employer since 1/16/14.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Back-end DTI of 26.82 is lower than max allowed 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates report on credit report since August 2007. |
| 305046002 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305046004 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30 mortgage lates in the past 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 45.48 is below guideline of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 781 exceeds guideline minimum of 680 |
| 305046007 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 FICO score exceeds guidelines 720<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 23 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence |
| 305046085 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide the missing initial CD 1/26/26 and subsequent revised CD's 2/11/26 and 2/13/26 per Change of Circumstance tracking summary in file. | 3.25.2026 - Missing CDs provided | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 83.69%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.50% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 mid score > min required of 700 |
| 305046085 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Provide the missing initial CD 1/26/26 per COC tracking summary in file. | 3.25.2026 - Missing CDs provided | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 83.69%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.50% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 mid score > min required of 700 |
| 305046090 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.50% DTI, guidelines allow 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 42.40% CLTV, program allows 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 741, Guidelines require 680. |
| 305046093 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing CD 1/26/26. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 789 exceeds minimum FICO of 680 (75% CLTV).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 60.53% is less than max allowed 90%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since July 2015.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, employed with same company since 5/17/2004. |
| 305046093 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD issued 1/26/26 per COC in file. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 789 exceeds minimum FICO of 680 (75% CLTV).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 60.53% is less than max allowed 90%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since July 2015.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, employed with same company since 5/17/2004. |
| 305046093 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD issued 1/26/26 per COC in file. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 789 exceeds minimum FICO of 680 (75% CLTV).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 60.53% is less than max allowed 90%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since July 2015.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, employed with same company since 5/17/2004. |
| 305046094 | XXXXXX | XXXXXX | XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing initial CD. UTD if change of product or product feature took place prior to close. | 3.6.2026 Lender provided initial CD | 3.9.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 credit history reporting back to May 1993.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 739 exceeds required FICO of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $33,767.28 (129.50 months PITIA reserves) > min required reserves of $0<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 all mortgage history back to May 2016. |
| 305046094 | XXXXXX | XXXXXX | XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of 02/18/2026. | 3.6.2026 Lender provided initial CD | 3.9.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 credit history reporting back to May 1993.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 739 exceeds required FICO of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $33,767.28 (129.50 months PITIA reserves) > min required reserves of $0<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 all mortgage history back to May 2016. |
| 305046094 | XXXXXX | XXXXXX | XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Initial CD missing from loan file. | 3.6.2026 Lender provided initial CD | 3.9.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 credit history reporting back to May 1993.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 739 exceeds required FICO of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $33,767.28 (129.50 months PITIA reserves) > min required reserves of $0<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 all mortgage history back to May 2016. |
| 305046139 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been working for the same employer for 8 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $323,799.66, none required for closing or reserves. |
| 305046170 | XXXXXX | XXXXXX | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years at current resident<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 fico exceeds guidelines 680<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 27 years at current job |
| 305047114 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing condo master insurance policy. Coverage in file is walls in only. | 3/26/2026 Lender supplied satisfactory insurance policy. | 3/31/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 54 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 86 months > max permitted of 0 X 30 X 86 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 735 > min required score of 700. |
| 305047114 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied D A | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | Missing Condo questionnaire. Per AVM subject property is a Condo. | 4/1/2026 Received copy of condo questionnaire. | 4/1/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 54 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 86 months > max permitted of 0 X 30 X 86 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 735 > min required score of 700. |
| 305047115 | XXXXXX | XXXXXX | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2020<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.27% DTI with a 50% max allowed. |
| 305047116 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 FICO score exceeds guidelines 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 46.05% DTI below requirement of max DTI 50% |
| 305047117 | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since April 2021.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with Troy High School since 8/25/16 per VVOE. Self-employed employment active since 5/31/16 per Secretary of State.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 32.80% is lower than max allowed 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 52.06% is lower than max allowed 75%. |
| 305047118 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing verification of Notes Receivable installment income supporting $2,276.72/mo including the Note itself and evidence of continuance for 3 years. | 3/26/2026 Received blank rebuttal. No documents provided. 4/1/2026 Received copy of recorded Mortgage/Note and proof of receipt. Supports $2,276.72 used to qualify supported. | 3/30/2026 Exception remains.4/1/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 37.72% CLTV < max permitted of 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 65 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score 761 exceeds credit minimum of 680 |
| 305047130 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | Final CD dated 02/12/2026 indicates no escrow and no escrow estimates, PCCD with corrections required LOX and copy to be sent to Borrower. | 3.4.2026 Lender provided PCCD correcting the CD Projected Payments section the Estimated Taxes, Insurance and Assessments | 3.4.2026 Exception satisfied | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.97% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 score with a 680 min score required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22.7 years at current residence. |
| 305047130 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | Final CD dated 02/12/2026 indicates no escrow and no escrow estimates, PCCD with corrections required LOX and copy to be sent to Borrower. | 3.4.2026 Lender provided PCCD correcting the You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = | 3.4.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.97% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 score with a 680 min score required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22.7 years at current residence. |
| 305047196 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on his current job 28 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at their current residence 35 years. |
| 305047444 | XXXXXX | XXXXXX | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 1/28/26, 2/18/26, 2/20/26, and 2/25/26 missing per COC. | 3.27.2026 - ICD received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been with current employer for 20+ years. |
| 305047444 | XXXXXX | XXXXXX | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued 1/28/26 per COC. | 3.27.2026 - ICD received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been with current employer for 20+ years. |
| 305047444 | XXXXXX | XXXXXX | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide CD's 1/28/26, 2/18/26, 2/20/26, and 2/25/26 missing per COC. | 3.27.2026 - ICD received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been with current employer for 20+ years. |
| 305047444 | XXXXXX | XXXXXX | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD issued 1/28/26 per COC. | 3.27.2026 - ICD received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been with current employer for 20+ years. |
| 305047496 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 716 > min required score of 700 with max LTV of 85%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.36% CLTV < max permitted of 85%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 137 months > max permitted of 0 X 30 X 12 months. |
| 305047508 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's dated 1/30/26 and 2/23/26 per COC in file. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.32% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2016 per CR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 score exceeds 720 minimum required. |
| 305047508 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD dated 1/30/26 per COC in file. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.32% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2016 per CR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 score exceeds 720 minimum required. |
| 305047508 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD dated 1/30/26 per COC in file. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.32% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2016 per CR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 score exceeds 720 minimum required. |
| 305047509 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 32 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 323 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 749 > min required score of 680. |
| 305047511 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing citizenship documentation. | 3/20/2026 Received Perm Res Alien card | 3/20/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 in 42 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 is principle of corporation since incorporation date 9/4/2019. Application states opened 4/27/07.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 credit reporting since November 2021. |
| 305047511 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing 2024 XXXXXX K1 or other evidence customer is not owner of business (loss noted on 2024 form 8582 of $2142). | 3/31/2026 Received lender certification of income calculation confirming 0% ownership | 3/31/26 Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 in 42 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 is principle of corporation since incorporation date 9/4/2019. Application states opened 4/27/07.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 credit reporting since November 2021. |
| 305047512 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21% DTI max DTI 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 fico score exceeds guidelines 700 |
| 305047513 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Texas Home Equity | Active B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 3.30.2026 Lender provided a doc not related to exception , Exception Remains | 3.31.2026 Exception Remains | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on job for 9 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6 years 4 months at current residence. |
| 305047513 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Texas Home Equity | Active B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 3.30.2026 Lender provided a doc not related to exception , Exception Remains | 3.31.2026 Exception Remains | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on job for 9 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6 years 4 months at current residence. |
| 305047513 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance fail for $499.85. Discount points increased from $2190.0 to $2689.85 on final CD. No COC provided disclosing increase in fee. please provide either COC or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 3.30.2026 Lender provided a doc not related to exception , Exception Remains 4.7.2026 - After review of the screen print provided additional clarification is required. Change of Circumstance should reflect changes in loan terms, borrower eligibility, or costs, such as interest rate shifts, borrower requested changes. Screen print out only shows product selections and not reason for increase in loan amount causing points to increase. Please provide a more detailed Notice of Change of Circumstance within 3 days of the increase in points on the CD 2.13.2026 .4.7.2026 - Client states: If we compare both these docs, it is evident that loan amount change resulted in increase in points. Also attaching another screenshot which shows the loan amount was updated to 64.8K on Feb 12th and ICD was disclosed on Feb 13th which is within 3 days of the change. The loan amount increased due to increase in the appraised property value from estimated $275500 on LE dated 1/27 to $303000 on 2/12 as the appraisal report was received on same day with higher amount. Additional documentation was received. | 3.31.2026 Exception Remains 4.7.2026 - Exception remains4.7.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on job for 9 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6 years 4 months at current residence. |
| 305047548 | XXXXXX | XXXXXX | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 6 years at current job |
| 305047775 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance fail for $736.62. Appraisal fee of $545 added, Credit report increase by $81.50, 2 verification fees of $52.06 each added. No COC provided disclosing increase and addition of fees. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 3.6.2026 Lender provided COC for increase | 3.6.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CB has been with current employer for more than 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.82% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 700 |
| 305047788 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | Final CD 2/4/26 In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments is missing a value. Please provide LOX and redisclosed CD showing a value. | 2.20.2026 Lender provided PCCD correcting projected payment section | 2.20.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42% dti Max DTI 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 Fico score exceeds guidelines 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence |
| 305047788 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | Final CD 2/4/26 In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] is missing a value. Please provided LOX and redisclosed CD showing the value over year 1. | 2.20.2026 Lender provided PCCD correcting CD Escrow section | 2.20.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42% dti Max DTI 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 Fico score exceeds guidelines 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence |
| 305047845 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.09% CLTV with a max 90% allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.63% DTI with a 50% max allowed. |
| 305047907 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 fico score exceeds guidelines 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31 % dti below guidelines requirement of Max DTI 50% |
| 305048647 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD dated 1/30/2026 and subsequent CDs dated 2/6/2026 2/10/2026 2/16/2026(1) 2/16/2026(2) 2/17/2026 missing from file per Change Of Circumstance in file. | 3.23.2026 - ICD received. | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.08% DTI with a max 50% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 30 years time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years time in residence. |
| 305048647 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD dated 1/30/2026 and subsequent CDs dated 2/6/2026 2/10/2026 2/16/2026(1) 2/16/2026(2) 2/17/2026 missing from file per Change Of Circumstance in file. | 3.23.2026 - ICD received. | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.08% DTI with a max 50% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 30 years time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years time in residence. |
| 305048647 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD dated 1/30/2026 and subsequent CDs dated 2/6/2026 2/10/2026 2/16/2026(1) 2/16/2026(2) 2/17/2026 missing from file per Change Of Circumstance in file. | 3.23.2026 - ICD received. | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.08% DTI with a max 50% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 30 years time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years time in residence. |
| 305048648 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP118 | OH CSPA; Home Mortgage Information disclosure not timely | No | Home Mortgage Information in file disclosure not received within 3 days of initial application. | 4.24.2026 - Application date 10.27.2025 and OH Home Mortgage Information disclosure was not received until 1.29.2026. Required to be provided within 3 days of app date.5.5.2026 - lender cert provided explaining that we will issue LE's prior to having all 6 pieces of information which sets the application date. The borrower acknowledged receipt of the earlier disclosure package that included the requested document; however, they did not provide an e-signed version until the application date 1/29/26. | 4.24.2026 - Exception remains05.05.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.67% is lower than max allowed 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x greater than 99 months |
| 305048648 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 1/30/26, 2/4/26, 2/18/26, 2/23/26. | 4.22.2026 - Missing CDs provided | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.67% is lower than max allowed 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x greater than 99 months |
| 305048648 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 1/30/26. | 4.22.2026 - Missing CDs provided | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.67% is lower than max allowed 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x greater than 99 months |
| 305048648 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide missing CD's 1/30/26, 2/4/26, 2/18/26, 2/23/26. | 4.22.2026 - Missing CDs provided | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.67% is lower than max allowed 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x greater than 99 months |
| 305048648 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 1/30/26. | 4.22.2026 - Missing CDs provided | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.67% is lower than max allowed 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x greater than 99 months |
| 305049356 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A B D | N/A | N/A B | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 4.8.2026 - HCO provided | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 74.91% is lower than max allowed of 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 reporting since 1x60 in August 2019.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 724 exceeds minimum required (75% CLTV) of 680. |
| 305049356 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A B D | N/A | N/A B | Credit | Income/Employment | Satisfied D A | CRDINC2302 | Missing Required Income Documentation | No | No documentation received (ex. award letter, 1099-R) validating fixed income of: Social Security ($1,066.20), XXXXXX ($7,988.70), XXXXXX ($200), or IRA distribution from XXXXXX 457B ($5700) with evidence of 3 years continuance. While income appears to be supported with the fraud report findings, the lender g/l are silent if this alternative verification is accepted. | 3/27/2026 Received SSI award letter; Received pension distribution letters. | 3/31/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 74.91% is lower than max allowed of 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 reporting since 1x60 in August 2019.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 724 exceeds minimum required (75% CLTV) of 680. |
| 305049357 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated 01/30/2026 and 2/3/2026 reflect $0 for Estimated Taxes, Insurance &Assessments in the Projected Payments section. For junior liens, disclosure ofthe first lien Taxes, Insurance & Assessments is required. | 2.27.2026 Lender provided revised CD showing value under Estimated Taxes, Insurance and Assessments. | 3.2.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 30 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 758, guidelines require 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years 6 months at the same residence. |
| 305049357 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated 01/30/2026 and 02/3/2026- Loan Disclosures- Escrow Account- Estimated Property Costs Over Year 1 is blank. | 2.27.2026 Lender provided revised CD showing value under CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] | 3.2.2026 Exception Satisfied | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 30 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 758, guidelines require 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years 6 months at the same residence. |
| 305049358 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.04% CLTV with a 75% max allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years time on job. |
| 305049363 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.23% DTI with a 50% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at her current residence 20 years. |
| 305049881 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton determination is non-QM. Lender status is Rebuttable presumption. Maximum allowed charges are $1526.90 (5%). Total adjusted charges are $1684.26 (5.515%). Total charges exceed maximum allowed by $157.36 (.515%). | 4.2.2026 - Appraisal not all paid to affiliate only $140. | 4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 mid score > min required of 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.74% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have29 months mortgage payment history 0x30. |
| 305049881 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | Section 32 | Satisfied C B | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Maximum allowed charges are $1526.90 (5%). Total adjusted charges are $1684.26 (5.515%). Total charges exceed maximum allowed by $157.36 (.515%). | 3.23.2026 - Rebuttal received and per legal our testing calculation: $530 Appraisal fee paid to an affiliate, $654.26 Discount, $500 Lock in fee. Discrepancy appears to be Appraisal paid to affiliate.4.2.2026 - Appraisal not all paid to affiliate only $140. | 3.23.2026 - Exception remains4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 mid score > min required of 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.74% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have29 months mortgage payment history 0x30. |
| 305049881 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | State High Cost | Satisfied C A | CMPSTHC343 | GA High-Cost Loan by exceeding point and fee threshold | No | Maximum charges allowed are $1848.21 (5%). Total charges are $1526.90 (6.052%). Total charges exceed state maximum by $321.32 (1.052%). | 3.23.2026 - Rebuttal received and per legal our testing calculation: $530 Appraisal fee paid to an affiliate, $654.26 Discount, $70 email, $11 flood cert, $500 Lock in fee, $300 Attorney fee, $24.95 Mers, $53 Recording service fee and $5 Underwriting fee.4.2.2026 - Appraisal not all paid to affiliate only $140. | 3.23.2026 - Exception remains4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 mid score > min required of 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.74% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have29 months mortgage payment history 0x30. |
| 305049881 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD confirmed received by borrower 3 days prior to consummation date of 2/21/26. | 4.2.2026 - ICD received | 4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 mid score > min required of 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.74% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have29 months mortgage payment history 0x30. |
| 305049881 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD confirmed received by borrower 3 days prior to consummation date of 2/21/26. | 4.2.2026 - ICD received | 4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 mid score > min required of 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.74% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have29 months mortgage payment history 0x30. |
| 305049881 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD confirmed received by borrower 3 days prior to consummation date of 2/21/26. | 4.2.2026 - ICD received | 4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 mid score > min required of 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.74% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have29 months mortgage payment history 0x30. |
| 305049889 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Use of mortgage to payoff credit with monthly payments totaling $2,734. New mortgage payment is $851.08.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers consumer credit 0\*30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed at current business since 5/30/91. |
| 305050043 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305050047 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.46% CLTV < max permitted of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 57 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 784 > min required score of 680.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 39 months > max permitted of 0 X 30 X 12 months. |
| 305050065 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide missing initial CD 2/11/26 and any subsequent CD's listed on the Change of Circumstance. | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 59.38%; guidelines allow 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 46.77% DTI < maximum permitted of 50% |
| 305050065 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Provide missing initial CD 2/11/26 and any subsequent CD's listed on the Change of Circumstance. | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 59.38%; guidelines allow 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 46.77% DTI < maximum permitted of 50% |
| 305050065 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Credit | Income/Employment | Active B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | B2 Verbal Verification is dated 02/10/2026. Note date is 02/28/2028. VVOE is outside of 10 days as required per guidelines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 59.38%; guidelines allow 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 46.77% DTI < maximum permitted of 50% |
| 305050098 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 32.59% CLTV with a 90% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.40% DTI with a 50% max allowed.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 10% revolving credit usage per CR shows minimal use. |
| 305050124 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D C | N/A | N/A D C | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD confirmed by borrower 3 days prior to consummation date. | 4.3.2026 - Missing disclosures provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.55% CLTV < max permitted of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have93 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 mid score > min required of 680 |
| 305050124 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D C | N/A | N/A D C | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD confirmed by borrower 3 days prior to consummation date. | 4.3.2026 - Missing disclosures provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.55% CLTV < max permitted of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have93 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 mid score > min required of 680 |
| 305050124 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D C | N/A | N/A D C | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD confirmed by borrower 3 days prior to consummation date. | 4.3.2026 - Missing disclosures provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.55% CLTV < max permitted of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have93 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 mid score > min required of 680 |
| 305050124 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D C | N/A | N/A D C | N/A | N/A D | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing copy of master condo insurance policy to verify the building coverage. Only HO6 policy documented in file which is insufficient. | 3/26/2026 Lender provided satisfactory association policy | 3/31/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.55% CLTV < max permitted of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have93 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 mid score > min required of 680 |
| 305050125 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued and confirmed by borrower 3 days prior to consummation. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.16% CLTV with a max 80% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 32.1 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.55% DTI with a 50% max allowed. |
| 305050125 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued and confirmed by borrower 3 days prior to consummation. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.16% CLTV with a max 80% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 32.1 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.55% DTI with a 50% max allowed. |
| 305050125 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD issued and confirmed by borrower 3 days prior to consummation. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.16% CLTV with a max 80% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 32.1 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.55% DTI with a 50% max allowed. |
| 305050127 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of 02/17/2026. | 3.6.2026 Lender provided Initial CD | 3.9.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 85.08% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 mid score > min required of 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 45.58% is below the guideline maximum of 50%. |
| 305050130 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 2/22/2026. Also missing CD 3/2/2026, CD3/6/2026, CD 3/9/2026, CD 3/12/2026, CD 3/16/2026 and CD 3/18/2026 | 4.17.2026 - ICD received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 score exceeds 720 minimum required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 21 years and 6 years in current professions.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years 1 month at current residence. |
| 305050130 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/26/2026 | 4.17.2026 - ICD received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 score exceeds 720 minimum required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 21 years and 6 years in current professions.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years 1 month at current residence. |
| 305050130 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD 2/22/2026 | 4.17.2026 - ICD received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 score exceeds 720 minimum required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 21 years and 6 years in current professions.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years 1 month at current residence. |
| 305050362 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 749/minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 33.59%/maximum 50% |
| 305050749 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 2/3/26, 3/2/26, 3/6/26, and 3/9/26 per the COC in file. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since September 2016.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 717 exceeds required FICO of 700.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates reporting on credit report. Oldest tradeline reporting opened March 2011. |
| 305050749 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/3/26 per COC in file. | 4.15.2026 - Missing CDs provided | 4.12.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since September 2016.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 717 exceeds required FICO of 700.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates reporting on credit report. Oldest tradeline reporting opened March 2011. |
| 305050749 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide CD's 2/3/26, 3/2/26, 3/6/26, and 3/9/26 per the COC in file. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since September 2016.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 717 exceeds required FICO of 700.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates reporting on credit report. Oldest tradeline reporting opened March 2011. |
| 305050749 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/3/26 per COC in file. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since September 2016.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 717 exceeds required FICO of 700.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates reporting on credit report. Oldest tradeline reporting opened March 2011. |
| 305050750 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 82.89%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.96% DTI < maximum permitted of 50% |
| 305050755 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 mid score > min required of 700<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for more than 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.89% CLTV < max permitted of 85% |
| 305050802 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing initial CD 3/20/26 per COC in file. | 4.17.2026 - ICD received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.50%; guidelines allow 85%. |
| 305050802 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 3/20/26 per COC in file. | 4.17.2026 - ICD received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.50%; guidelines allow 85%. |
| 305050802 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 3/20/26 per COC in file. | 4.17.2026 - ICD received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.50%; guidelines allow 85%. |
| 305050804 | XXXXXX | XXXXXX | XXXXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.46%; guidelines allow 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $103,830.42 (12.72 months PITIA reserves) > min required reserves of $0<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.73% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 mid score > min required of 700 |
| 305051084 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's3/6/2026, 3/10/2026 CD 3/11/2026 CD 3/19/2026 CD3/19/2026 CD 3/26/2026 and 3/26/2026 per COC in file. | 4.17.2026 Missing CDs received | 4.17.2026-Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years 1 month at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.95% DTI with a max 50% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 26 years time in profession. |
| 305051084 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD 3/26/2026 per COC in file. | 4.17.2026 Missing CDs received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years 1 month at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.95% DTI with a max 50% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 26 years time in profession. |
| 305051084 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation. | No | 10% tolerance fail for $10.40 due to increased recording fee on final CD 3/26/26. Increase in fee was not disclosed on COC provided. Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 4.17.2026 Missing CDs and COC received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years 1 month at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.95% DTI with a max 50% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 26 years time in profession. |
| 305051084 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD 3/26/2026 per COC in file. | 4.17.2026 Missing CDs received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years 1 month at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.95% DTI with a max 50% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 26 years time in profession. |
| 305051087 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53.36%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 45.18% is below the guideline maximum of 50%. |
| 305051098 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 2/7/26, 2/18/26, 2/19/26, 3/2/26. | 4.3.2026 - Missing disclosures provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years time at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 23.02% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 score exceeds 700 minimum to 80% CLTV. |
| 305051098 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/7/26 per the COC. | 4.3.2026 - Missing disclosures provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years time at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 23.02% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 score exceeds 700 minimum to 80% CLTV. |
| 305051098 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/7/26 per the COC. | 4.3.2026 - Missing disclosures provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years time at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 23.02% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 score exceeds 700 minimum to 80% CLTV. |
| 305051101 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D B | Compliance | Compliance Manual | Active B | CMPMAN2992 | 1003 - Initial Application is not Accurate | No | Please provide initial application dated 10/9/25. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 712/minimum 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.31%/maximum 50%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment is good with no derogatory events |
| 305051101 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing LE's dated 1/7/26 and 12/8/26 per the COC. Please provide missing CD's dated 2/4/26, 2/17/26, 2/18/26, 2/19/26 per COC. | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 712/minimum 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.31%/maximum 50%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment is good with no derogatory events |
| 305051101 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of 2/23/2026. | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 712/minimum 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.31%/maximum 50%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment is good with no derogatory events |
| 305051101 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/4/26 per COC. | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 712/minimum 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.31%/maximum 50%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment is good with no derogatory events |
| 305051136 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 734 exceeds minimum FICO score required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 72.40 is lower than max allowed 85%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been employed at same school since 8/21/18.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since 4/1/15 per credit report.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with same school since 8/1/07.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates report on credit report. History since 3/1/1997. |
| 305051148 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 700 FICO score exceeds guidelines 700 |
| 305051404 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.44% DTI < maximum permitted of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 69.87%; guidelines allow 75%. |
| 305051406 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD 2/18/2026 and any subsequent CDs 2/18/2026 2/23/2026 2/26/2026 per Change of Circumstance in file. | 4.3.2026 - Missing disclosures provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment is good with no derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 743/minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 34.36%/maximum 50% |
| 305051406 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing CD 2/18/2026 and any subsequent CDs 2/18/2026 2/23/2026 2/26/2026 per Change of Circumstance in file. | 4.3.2026 - Missing disclosures provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment is good with no derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 743/minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 34.36%/maximum 50% |
| 305051406 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing CD 2/18/2026 and any subsequent CDs 2/18/2026 2/23/2026 2/26/2026 per Change of Circumstance in file. | 4.3.2026 - Missing disclosures provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment is good with no derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 743/minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 34.36%/maximum 50% |
| 305051407 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 30 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x46 months > max permitted of 1x30 x24 months |
| 305051460 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | 3.25.2026 - ICD received | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.10% CLTV < max permitted of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 700, guidelines require 680. |
| 305051460 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD confirmed 3 days prior to consummation. | 3.25.2026 - ICD received | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.10% CLTV < max permitted of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 700, guidelines require 680. |
| 305051460 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance fail for $580.00. Appraisal fee added to LE 2/3/26-2 continuing through final CD. No COC provided disclosing addition of this fee. Please provide either COC or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 3.25.2026 - Initial CD and LOX received however still Missing COC for Appraisal fee3.31.2026 Lender provided COC for increase | 3.25.2026 - Exception remains3.31.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.10% CLTV < max permitted of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 700, guidelines require 680. |
| 305051848 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued and confirmed 3 days prior to consummation date of 2/19/26. | 4.3.2026 - ICD received | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.23% CLTV with a 90% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 mid score > min required of 680 |
| 305051848 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued and confirmed 3 days prior to consummation date of 2/19/26. | 4.3.2026 - ICD received | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.23% CLTV with a 90% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 mid score > min required of 680 |
| 305051848 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD issued and confirmed 3 days prior to consummation date of 2/19/26. | 4.3.2026 - ICD received | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.23% CLTV with a 90% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 mid score > min required of 680 |
| 305051848 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | Missing 1st lien Note - or- mortgage statement fromXXXXXX verifying anticipated monthly P&I payment of $1,100 (or PITIA of approx $1,415) | 4/10/2026 Lender provided verification of 1st lien PITIA . | 4/13/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.23% CLTV with a 90% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 mid score > min required of 680 |
| 305051851 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Exception fired in error due to missing initial CD 2/11/2026 and subsequent CDs from 2/25/2026 - 3/4/2026, per change of circumstance disclosure in file. Please provide. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 792 exceeds required FICO of 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 72.86% is less than max allowed 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit report spanning back to June 1992. |
| 305051851 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD 2/11/2026 and subsequent CDs from 2/25/2026 - 3/4/2026, per change of circumstance disclosure in file. Please provide. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 792 exceeds required FICO of 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 72.86% is less than max allowed 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit report spanning back to June 1992. |
| 305051851 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 2/11/2026 and subsequent CDs from 2/25/2026 - 3/4/2026, per change of circumstance disclosure in file. Please provide. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisifed | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 792 exceeds required FICO of 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 72.86% is less than max allowed 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit report spanning back to June 1992. |
| 305051856 | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years time in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 score with a 720 minimum required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.17% DTI with a 50% max allowed. |
| 305052035 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.71% DTI, Guidelines allow up to 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.93% LTV; Guidelines allow up to 80% |
| 305052044 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have63 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.98% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid score > min required of 700 |
| 305052045 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Condo Master policy is not provided to determine adequate building coverage. | 4/9/2026 Lender provided satisfactory copy of association policy reflecting sufficient coverage | 4/10/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.30% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 54.21%; guidelines allow 90%. |
| 305052045 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR5081 | Insurance Policy missing required endorsements | No | Flood policy showing coverage is missing from the file. | 4/9/2026 Lender provided satisfactory evidence of flood insurance coverage. | 4/10/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.30% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 54.21%; guidelines allow 90%. |
| 305052045 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied D A | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | Missing limited condo review or confirmation project is approved with FNMA | 4/9/2026 Lender provided satisfactory questionnaire | 4/10/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.30% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 54.21%; guidelines allow 90%. |
| 305052054 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Product remained fixed throughout disclosures. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.21% DTI, Guidelines allow 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score is 784. Guidlines require 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.50% LTV, Guidlines allow 90%. |
| 305052054 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD dated 2.24 is not executed, causing a timing issue. Please provide proof of signed CD. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.21% DTI, Guidelines allow 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score is 784. Guidlines require 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.50% LTV, Guidlines allow 90%. |
| 305052627 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 2/17/26 per COC in file. | 4.9.2026 - Missing Initial CD | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened December 1993.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 82.33% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 779 exceeds required FICO of 700. |
| 305052627 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/17/26 per COC in file. | 4.9.2026 - Missing Initial CD4.15.2026 - Missing CDs provided | 4.9.2026 - Exception remains4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened December 1993.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 82.33% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 779 exceeds required FICO of 700. |
| 305052627 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD 2/17/26 per COC in file. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened December 1993.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 82.33% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 779 exceeds required FICO of 700. |
| 305052627 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/17/26 per COC in file. | 4.15.2026 - Missing CDs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened December 1993.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 82.33% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 779 exceeds required FICO of 700. |
| 305052667 | XXXXXX | XXXXXX | XXXXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 727 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.59% CLTV < max permitted of 90% |
| 305052673 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Please provide missing Affiliate Business Disclosure | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.75% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 mid score > min required of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have63 months mortgage payment history 0x30. |
| 305052673 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Texas Home Equity | Active B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Please provide Missing T.42 Title Endorsement. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.75% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 mid score > min required of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have63 months mortgage payment history 0x30. |
| 305052673 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Texas Home Equity | Active B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Please provide Missing T.42.1 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.75% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 mid score > min required of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have63 months mortgage payment history 0x30. |
| 305052675 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 30% is lower than max allowed 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 719 exceeds minimum required 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 45.02 is lower than max allowed 50%. |
| 305052676 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing CD's 2/12/2026, 2/13/2026 & 2/17/2026 per COC in file. | 3.27.2026 - ICD received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 725 exceeds minimum required FICO of 700 (85% CLTV).<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 since 30 day late on credit card in 2/2020.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since April 2018. |
| 305052676 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing CD's 2/12/2026, 2/13/2026 & 2/17/2026 per COC in file. | 3.27.2026 - ICD received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 725 exceeds minimum required FICO of 700 (85% CLTV).<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 since 30 day late on credit card in 2/2020.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since April 2018. |
| 305052676 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD confirmed received 3 days prior to consummation date. | 3.27.2026 - ICD received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 725 exceeds minimum required FICO of 700 (85% CLTV).<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 since 30 day late on credit card in 2/2020.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since April 2018. |
| 305053309 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 FICO score exceeds guidelines 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 38 years at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39% DTI max DTI 50% |
| 305053311 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 37.58% CLTV < max permitted of 75% |
| 305053317 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% CLTV < max permitted of 90%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 8 years. |
| 305053328 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 3/23/26, 3/24/26 per COC in file. | 4.17.2026 - ICD received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 692 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.95% CLTV < max permitted of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30. |
| 305053328 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 3/23/26 per COC in file. | 4.17.2026 - ICD received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 692 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.95% CLTV < max permitted of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30. |
| 305053328 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 3/23/26 per COC in file. | 4.17.2026 - ICD received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 692 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.95% CLTV < max permitted of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30. |
| 305053330 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 2/6/26 and subsequent CD 3/11/26 per Change of Circumstance disclosure in file. | 4.14.2026 - Missing CDs received | 4.14.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have58 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.12% DTI < maximum permitted of 50% |
| 305053330 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD 2/6/26 and subsequent CD 3/11/26 per Change of Circumstance disclosure in file. Need proof initial CD was received by borrower 3 days before consummation date of 3/14/2026 | 4.14.2026 - Missing CDs received | 4.14.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have58 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.12% DTI < maximum permitted of 50% |
| 305053330 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing initial CD 2/6/26 and subsequent CD 3/11/26 per Change of Circumstance disclosure in file. | 4.14.2026 - Missing CDs received | 4.14.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have58 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.12% DTI < maximum permitted of 50% |
| 305053330 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 2/6/26 and subsequent CD 3/11/26 per Change of Circumstance disclosure in file. | 4.14.2026 - Missing CDs received | 4.14.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have58 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.12% DTI < maximum permitted of 50% |
| 305053331 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | No Initial CD on file, UTD if change of product or product feature was disclosed. | 3.11.2026 Lender provided Initial CD | 3.11.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.04% DTI with a 50% max allowed. |
| 305053331 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Unable to determine accurate waiting period as the Initial CD is missing from loan file. | 3.11.2026 Lender provided Initial CD | 3.11.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.04% DTI with a 50% max allowed. |
| 305053331 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Initial CD is not present on file. | 3.11.2026 Lender provided Initial CD | 3.11.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.04% DTI with a 50% max allowed. |
| 305053332 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 2/19/26 per COC. | 3.24.2026 - Missing CD provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 707 Guidelines allow 700 |
| 305053332 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/19/26 per COC. | 3.24.2026 - Missing CD provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 707 Guidelines allow 700 |
| 305053332 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD 2/19/26 per COC. | 3.24.2026 - Missing CD provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 707 Guidelines allow 700 |
| 305053332 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/19/26 per COC. | 3.24.2026 - Missing CD provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 707 Guidelines allow 700 |
| 305053341 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD dated 2/9/26 and the subsequent revised CD dated 2/12/26 per COC disclosure tracking in file. | 3.23.2026 - Missing CDs received | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 697 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.99% CLTV < max permitted of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have59 months mortgage payment history 0x30. |
| 305053341 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD dated 2/9/26 and the subsequent revised CD dated 2/12/26 per COC disclosure tracking in file. | 3.23.2026 - Missing CDs received | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 697 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.99% CLTV < max permitted of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have59 months mortgage payment history 0x30. |
| 305053341 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD dated 2/9/26 and the subsequent revised CD dated 2/12/26 per COC disclosure tracking in file. | 3.23.2026 - Missing CDs received | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 697 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.99% CLTV < max permitted of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have59 months mortgage payment history 0x30. |
| 305053348 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 2/6/26, 2/11/26, 2/24/26, 2/25/26, 2/26/26, 3/4/26 per the COC. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 score exceeds the 720 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.72% CLTV with a 90% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.60% DTI with a 50% max allowed. |
| 305053348 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/6/26. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 score exceeds the 720 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.72% CLTV with a 90% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.60% DTI with a 50% max allowed. |
| 305053348 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide CD's 2/6/26, 2/11/26, 2/24/26, 2/25/26, 2/26/26, 3/4/26 per the COC. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 score exceeds the 720 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.72% CLTV with a 90% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.60% DTI with a 50% max allowed. |
| 305053348 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/6/26. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 score exceeds the 720 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.72% CLTV with a 90% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.60% DTI with a 50% max allowed. |
| 305053349 | XXXXXX | XXXXXX | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 2/9/26, 2/10/26, 2/12/26, 2/18/26, 2/19/26 per COC. | 4.3.2026 - Missing disclosures provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit report since oldest tradeline opened in July 1994.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 employed at same company since 12/9/02.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Customer has owned subject property since 7/24/01. |
| 305053349 | XXXXXX | XXXXXX | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/9/26 per COC. | 4.3.2026 - Missing disclosures provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit report since oldest tradeline opened in July 1994.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 employed at same company since 12/9/02.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Customer has owned subject property since 7/24/01. |
| 305053349 | XXXXXX | XXXXXX | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide missing CD's 2/9/26, 2/10/26, 2/12/26, 2/18/26, 2/19/26 per COC. | 4.3.2026 - Missing disclosures provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit report since oldest tradeline opened in July 1994.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 employed at same company since 12/9/02.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Customer has owned subject property since 7/24/01. |
| 305053349 | XXXXXX | XXXXXX | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/9/26 per COC. | 4.3.2026 - Missing disclosures provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit report since oldest tradeline opened in July 1994.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 employed at same company since 12/9/02.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Customer has owned subject property since 7/24/01. |
| 305053352 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 44.76 is below guideline maximum of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit score 738 exceeds minimum guideline of 680<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30 mortgage lates in the past 12 months |
| 305053470 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have78 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: HLTV is 65.37%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.38% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 733 is 53 points above minimum program requirement of 680. |
| 305053513 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Texas Home Equity | Active B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Provide missing T.42 Title Endorsement document. Not in file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.81% CLTV < max permitted of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.81% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 mid score > min required of 680 |
| 305053513 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Texas Home Equity | Active B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Provide missing T.42.1 Title Endorsement document. Not in file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.81% CLTV < max permitted of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.81% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 mid score > min required of 680 |
| 305053515 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowner's counseling organizations not dated. Insufficient information to confirm timely delivery. | 4.15.2026 Please update the status of the Mahoney loan all conditions are cleared and the remaining is Grade 2 | 4.15.2026 Exception remains | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12.7 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 69.58%; guidelines allow 90%. |
| 305053600 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued and confirmed 3 days prior to consummation. | 3.13.2026 Lender provided Initial CD | 3.13.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 713 exceeds guidelines requirement of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.70% DTI, Program allows 50%. |
| 305053600 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued and confirmed 3 days prior to consummation. | 3.13.2026 Lender provided Initial CD | 3.13.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 713 exceeds guidelines requirement of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.70% DTI, Program allows 50%. |
| 305053602 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 2/11/26 per COC. | 3.20.2026Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been at current employer since 12/31/03.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B2 has been with same company since 1/28/18.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments noted since September 2019 (1x30 revolving).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 63.73% is lower than max allowed 75%. |
| 305053602 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/11/26 per COC. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been at current employer since 12/31/03.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B2 has been with same company since 1/28/18.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments noted since September 2019 (1x30 revolving).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 63.73% is lower than max allowed 75%. |
| 305053602 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide CD's 2/11/26, 2/19/26, and 2/24/26 per COC. | 3.20.2026Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been at current employer since 12/31/03.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B2 has been with same company since 1/28/18.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments noted since September 2019 (1x30 revolving).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 63.73% is lower than max allowed 75%. |
| 305053604 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Right of Rescission | Satisfied D A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | ROR in file is incomplete. Missing name and date from top of ROR. | 4.7.2026 - LOX and RORs provided | 4.7.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 26.66 is lower than max allowed 85%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per Verbal VOE, employed with same employer since 12/1/03.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 724 exceeds required FICO score of 680.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 reporting on credit report since January 1993. |
| 305053604 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification if second home at XXXXXX has a HOA fee. | 3/20/2026: Received evidence of $215 monthly HOA fee. Revised DTI of 44.14% within guidelines. | 3/20/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 26.66 is lower than max allowed 85%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per Verbal VOE, employed with same employer since 12/1/03.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 724 exceeds required FICO score of 680.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 reporting on credit report since January 1993. |
| 305053661 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 2/24/26 and 2/26/26 per COC. | 4.1.2026 - Missing CDs and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 701 exceeds minimum required 680 (75% CLTV).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 74.98% is less than max allowed 85%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since December 2014. |
| 305053661 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/24/26. | 4.1.2026 - Missing CDs and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 701 exceeds minimum required 680 (75% CLTV).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 74.98% is less than max allowed 85%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since December 2014. |
| 305053661 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide missing CD's 2/24/26 and 2/26/26 per COC. | 4.1.2026 - Missing CDs and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 701 exceeds minimum required 680 (75% CLTV).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 74.98% is less than max allowed 85%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since December 2014. |
| 305053661 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/24/26. | 4.1.2026 - Missing CDs and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 701 exceeds minimum required 680 (75% CLTV).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 74.98% is less than max allowed 85%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since December 2014. |
| 305053662 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued and confirmed by borrower 3 days prior to consummation. | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.60% DTI with a max 50% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 score with a 720 minimum required. |
| 305053662 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued and confirmed by borrower 3 days prior to consummation. | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.60% DTI with a max 50% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 score with a 720 minimum required. |
| 305053662 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD issued and confirmed by borrower 3 days prior to consummation. | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.60% DTI with a max 50% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 score with a 720 minimum required. |
| 305053663 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing CD's 2/7/26 and 2/19/26 per COC. | 3.25.2026 - Missing CDs provided | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 79.24% is lower than max allowed 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per secretary of state, business partnership has been active since 3/28/18. 1003 states employed since 2/5/09.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 807 exceeds minimum required FICO of 700 (80% CLTV limit).<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments noted on credit report reporting from June 1988. |
| 305053663 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 2/7/26 per COC | 3.25.2026 - Missing CDs provided | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 79.24% is lower than max allowed 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per secretary of state, business partnership has been active since 3/28/18. 1003 states employed since 2/5/09.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 807 exceeds minimum required FICO of 700 (80% CLTV limit).<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments noted on credit report reporting from June 1988. |
| 305053663 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 2/7/26 per COC | 3.25.2026 - Missing CDs provided | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 79.24% is lower than max allowed 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per secretary of state, business partnership has been active since 3/28/18. 1003 states employed since 2/5/09.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 807 exceeds minimum required FICO of 700 (80% CLTV limit).<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments noted on credit report reporting from June 1988. |
| 305053663 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing satisfactory mortgage history reflecting no more than 0x30 x6 and 1x30 x24. Borrowers have owned subject property for 1.8 years and owned previous residence for 3 years. No mortgage histories appear on credit report. | 3/26/2026 Received consecutive mortgage statements reflecting no late payments | 3/31/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 79.24% is lower than max allowed 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per secretary of state, business partnership has been active since 3/28/18. 1003 states employed since 2/5/09.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 807 exceeds minimum required FICO of 700 (80% CLTV limit).<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments noted on credit report reporting from June 1988. |
| 305053663 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | 2023-2024 personal tax returns (1040s) and partnership tax returns (1065s) are not signed as required per lender guidelines. | 3/26/2026 Lender provided signed documents | 3/31/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 79.24% is lower than max allowed 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per secretary of state, business partnership has been active since 3/28/18. 1003 states employed since 2/5/09.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 807 exceeds minimum required FICO of 700 (80% CLTV limit).<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments noted on credit report reporting from June 1988. |
| 305053664 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 14 years at current residence<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 25 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 fico score exceeds guidelines 680 |
| 305053665 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2019 per CR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 score exceeds 700 minimum for 85% CLTV. |
| 305053724 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing Alien Registration Card (Green Card) for Permanent Resident Alien status. | 3/17/2026 Received documents to verify B1 legal residency. | 3/17/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 8% revolving credit usage shows minimal use of credit.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.02% DTI with a 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.82% CLTV with a 90% max allowed. |
| 305053731 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing CD dated 2/26/2026. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.67%/maximum 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 775/minimum 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment is good with no derogatory events |
| 305053731 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing CD 2/26/2026. Need proof initial CD was received by the borrower 3 days before consummation date of 3/4/2026. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.67%/maximum 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 775/minimum 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment is good with no derogatory events |
| 305053731 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Initial CD 2/26/2026 is missing. Please provide. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.67%/maximum 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 775/minimum 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment is good with no derogatory events |
| 305053732 | XXXXXX | XXXXXX | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 2/7/2026 and subsequent CDs 2/16/2026, 2/26/2026, 3/6/2026 per Change of Circumstance in file. | 4.13.2026 - Missing CDs provided | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 76.00% below program maximum 90.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 53 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 25+ years with same employer |
| 305053732 | XXXXXX | XXXXXX | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD 2/7/2026 and subsequent CDs 2/16/2026, 2/26/2026, 3/6/2026 per Change of Circumstance in file. Need proof initial CD was received by borrower 3 days before consummation date of 3/11/2026 | 4.13.2026 - Missing CDs provided | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 76.00% below program maximum 90.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 53 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 25+ years with same employer |
| 305053732 | XXXXXX | XXXXXX | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 2/7/2026. | 4.13.2026 - Missing CDs provided | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 76.00% below program maximum 90.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 53 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 25+ years with same employer |
| 305053733 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | State Consumer Protection | Active B | CMPSTCP4384 | MI Home Loan - Michigan Home Loan Toolkit is not timely | No | Need proof of earliest Toolkit acknowledgment date. Earliest acknowledgement on file is 02/06/2026. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36% DTI max DTI 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 fico score exceeds guidelines 680 |
| 305053733 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide this missing initial CD dated 2/11/26 issued per E dates sheet in file. | 3.6.2026 Lender provided CD 2.11. | 3.9.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36% DTI max DTI 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 fico score exceeds guidelines 680 |
| 305053733 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide this missing initial CD dated 2/11/26 issued per E dates sheet in file. | 3.6.2026 Lender provided CD 2.11. | 3.9.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36% DTI max DTI 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 fico score exceeds guidelines 680 |
| 305053733 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide this missing initial CD dated 2/11/26 issued per E dates sheet in file. | 3.6.2026 Lender provided CD 2.11. | 3.9.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36% DTI max DTI 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 fico score exceeds guidelines 680 |
| 305053733 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide this missing initial CD dated 2/11/26 issued per E dates sheet in file. | 3.6.2026 Lender provided CD 2.11. | 3.9.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36% DTI max DTI 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 fico score exceeds guidelines 680 |
| 305054281 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD confirmed received by borrower 3 days prior to consummation date of 2/20/26. | 4.1.2026 - Missing CDs and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 exceeds the 720 minimum required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.42% DTI with a 50% max allowed. |
| 305054281 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD confirmed received by borrower 3 days prior to consummation date of 2/20/26. | 4.1.2026 - Missing CDs and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 exceeds the 720 minimum required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.42% DTI with a 50% max allowed. |
| 305054281 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD confirmed received by borrower 3 days prior to consummation date of 2/20/26. | 4.1.2026 - Missing CDs and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 exceeds the 720 minimum required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.42% DTI with a 50% max allowed. |
| 305054283 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD issued 2/11/26 confirmed received within 3 days of consummation. | 3.10.2026 Lender provided Missing Initial CD | 3.10.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 FICO score exceeds guidelines 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 6 years at current job |
| 305054283 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing CD issued 2/11/26 confirmed received within 3 days of consummation. | 3.10.2026 Lender provided Missing Initial CD | 3.10.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 FICO score exceeds guidelines 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 6 years at current job |
| 305054284 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued 2/9/26 per COC in file. | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.71% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 score exceeds 680 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.91% CLTV with a 90% max allowed. |
| 305054284 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued 2/9/26 per COC in file. | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.71% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 score exceeds 680 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.91% CLTV with a 90% max allowed. |
| 305054284 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD issued 2/9/26 per COC in file. | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.71% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 score exceeds 680 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.91% CLTV with a 90% max allowed. |
| 305054284 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD issued 2/9/26 per COC in file. | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.71% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 score exceeds 680 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.91% CLTV with a 90% max allowed. |
| 305054286 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 2/8/26 per COC in file. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2017 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.81% DTI with a 50% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8.1 years time in residence. |
| 305054286 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/8/26 per COC in file. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2017 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.81% DTI with a 50% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8.1 years time in residence. |
| 305054286 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/8/26 per COC in file. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2017 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.81% DTI with a 50% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8.1 years time in residence. |
| 305054287 | XXXXXX | XXXXXX | XXXXXX | RI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CDs 2/11/26, 2/17/26, 2/18/26,2/23/26 and 2/24/26 per COC in file. | 4.13.2026 - Missing CDs received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.64% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2016 per CR.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 23 years time in profession. |
| 305054287 | XXXXXX | XXXXXX | XXXXXX | RI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/11/26 per the COC. | 4.13.2026 - Missing CDs received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.64% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2016 per CR.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 23 years time in profession. |
| 305054287 | XXXXXX | XXXXXX | XXXXXX | RI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide missing CDs 2/11/26, 2/17/26, 2/18/26,2/23/26 and 2/24/26 per COC in file. | 4.13.2026 - Missing CDs received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.64% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2016 per CR.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 23 years time in profession. |
| 305054287 | XXXXXX | XXXXXX | XXXXXX | RI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/11/26 per the COC. | 4.13.2026 - Missing CDs received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.64% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2016 per CR.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 23 years time in profession. |
| 305054308 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 for all mortgage history since opened 12/18/2012.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-close reserves of $83,531.23 exceed reserve requirement of $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 787 exceeds minimum required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 51.86% is lower than max allowed 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory credit reporting on credit report since January 2006. |
| 305054356 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | Provide List of homeowner's counseling organizations that is dated and executed. HOC in file is does not have a date | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 62.89%; guidelines allow 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 699 is 19 points above minimum program requirement of 680. |
| 305054367 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | No Initial CD, Final CD date 02/16/2026. | 03/17/2026- Client provided Initial CD dated 02/16/2026. | 03/17/2026- Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.17% DTI with a 50% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51% CLTV < max permitted of 90% |
| 305054367 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Final CD date 02/16/2026, Closing date 02/20/2026. Missing Initial CD | 03/17/2026- Client provided Initial CD dated 02/16/2026. | 03/17/2026- Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.17% DTI with a 50% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51% CLTV < max permitted of 90% |
| 305054368 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing LE dated 02/07/2026 per the Compliance Check on page 574 | 3.27.2026 - LOX and history showing LE not sent to borrower and was pre approval stage. | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 38 mos. 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 45.87% below program maximum 50.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 16 years 8 months at current job. |
| 305054368 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 3.27.2026 - CDs received. | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 38 mos. 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 45.87% below program maximum 50.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 16 years 8 months at current job. |
| 305054368 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing CD's dated 02/13/2026 and 02/16/2026. Need proof initial CD was received by borrower 3 days before consummation date of 02/27/2026. | 3.27.2026 - CDs received. | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 38 mos. 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 45.87% below program maximum 50.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 16 years 8 months at current job. |
| 305054368 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing CD's dated 02/13/2026 and 02/16/2026 | 3.27.2026 - CDs received. | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 38 mos. 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 45.87% below program maximum 50.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 16 years 8 months at current job. |
| 305054568 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued and confirmed by borrower 3 days prior to consummation date of 02/19/2026. | 4.2.2026 - ICD received | 4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.40% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 713 is 13 points above minimum program requirement of 700. |
| 305054568 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued and confirmed by borrower 3 days prior to consummation date of 02/19/2026. | 4.2.2026 - ICD received | 4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.40% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 713 is 13 points above minimum program requirement of 700. |
| 305054579 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD 2/19/26 per the COC. | 3.27.2026 - ICD received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.19% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 score exceeds 700 minimum for 80% CLTV.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2018 per CR. |
| 305054579 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/19/26 per the COC. | 3.27.2026 - ICD received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.19% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 score exceeds 700 minimum for 80% CLTV.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2018 per CR. |
| 305054580 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Unable to determine accurate waiting period - only CD on file was issued 02/27 and signed 03/02, no Initial CD on file. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 305054580 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | System-calculated APR is 0.1509 over disclosed APR, likely due to the system not picking up the Property Inspection and Disbursement fees up accurately as finance charges, a difference of $76. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 305054580 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD disclosed to borrower on 02/12. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 305054580 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing VOM as first lienholder does not report to the credit bureau. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| 305054581 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 717 is 17 points above minimum program requirement of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.77% DTI < maximum permitted of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 78.49%%; guidelines allow 85%. |
| 305054581 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD dated 02/19/2026. Need proof initial CD was received by borrower 3 days before consummation date of 02/23/2026. | 3.20.2026 Lender provided initial CD | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 717 is 17 points above minimum program requirement of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.77% DTI < maximum permitted of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 78.49%%; guidelines allow 85%. |
| 305054582 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 2/9/26, 2/10/26, 2/12/26, 2/18/26, 2/19/26 per COC. | 3.25.2026 - Missing CDs received | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 score exceeds 720 minimum required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.89% DTI with a 50% max allowed. |
| 305054582 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing CD's 2/9/26, 2/10/26, 2/12/26, 2/18/26, 2/19/26 per COC. | 3.25.2026 - ICD received | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 score exceeds 720 minimum required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.89% DTI with a 50% max allowed. |
| 305054582 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide missing CD's 2/9/26, 2/10/26, 2/12/26, 2/18/26, 2/19/26 per COC. | 3.25.2026 - ICD received | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 score exceeds 720 minimum required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.89% DTI with a 50% max allowed. |
| 305054582 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing CD's 2/9/26, 2/10/26, 2/12/26, 2/18/26, 2/19/26 per COC. | 3.25.2026 - ICD received | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 score exceeds 720 minimum required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.89% DTI with a 50% max allowed. |
| 305054627 | XXXXXX | XXXXXX | XXXXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 46.10% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 mid score > min required of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have61 months mortgage payment history 0x30. |
| 305054636 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 743 exceeds min score requirement of 680 |
| 305054642 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | Municipal High Cost | Active B | CMPMUHC5379 | ILCH High-cost by exceeding points and fees threshold | No | Loan declared QM Rebuttable Presumption (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $2,204.30, max allowed is $2,150.90; $53.40 too high). | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 score exceeds 700 minimum required for 80% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.08% DTI with a 50% max allowed. |
| 305054642 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide the missing Initial CD dated 2/12/2026. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 score exceeds 700 minimum required for 80% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.08% DTI with a 50% max allowed. |
| 305054642 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide the missing Initial CD dated 2/12/2026. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 score exceeds 700 minimum required for 80% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.08% DTI with a 50% max allowed. |
| 305054642 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide the missing Initial CD dated 2/12/2026. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 score exceeds 700 minimum required for 80% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.08% DTI with a 50% max allowed. |
| 305054642 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide the missing Initial CD dated 2/12/2026. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 score exceeds 700 minimum required for 80% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.08% DTI with a 50% max allowed. |
| 305054658 | XXXXXX | XXXXXX | XXXXXX | TN | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A B | Compliance | TILA | Active B | CMPTILA4787 | TILA - Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. | No | Unable to determine intended use of proceeds. | 4.7.2026 - Quit claim deed received however need Business purpose affidavit or LOX from borrower stating what business use of the funds was for. | 4.7.2026 - Exception remains | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.74% CLTV < max permitted of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 mid score > min required of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30. |
| 305054848 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide proof that the borrowers esigned all LE's and CD's. | 3.30.2026 - timeline located in file | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.91% CLTV < max permitted of 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.59% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 mid score > min required of 680 |
| 305054848 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date. | 3.30.2026 - ICD received. | 3.30.2026- Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.91% CLTV < max permitted of 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.59% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 mid score > min required of 680 |
| 305054852 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 2/11/26, 2/23/26, 2/24/26, 2/24/26 per COC in file. | 4.7.2026 - Missing CDs provided | 4.7.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 14.47% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 score exceeds 720 minimum required. |
| 305054852 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing CD 2/11/26 per COC. | 4.7.2026 - Missing CDs provided | 4.7.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 14.47% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 score exceeds 720 minimum required. |
| 305054852 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing CD 2/11/26 per COC. | 4.7.2026 - Missing CDs provided | 4.7.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 14.47% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 score exceeds 720 minimum required. |
| 305054853 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Initial Closing Disclosure from file. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.90% DTI with a 50% max allowed. |
| 305054853 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial Closing Disclosure from file. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.90% DTI with a 50% max allowed. |
| 305054853 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial Closing Disclosure from file. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.90% DTI with a 50% max allowed. |
| 305054863 | XXXXXX | XXXXXX | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Exception fired due to missing Initial and revised CDs. No change in product or feature was made. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 791 is 71 points above minimum program requirement of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.37% DTI < maximum permitted of 50% |
| 305054863 | XXXXXX | XXXXXX | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Unable to determine accurate waiting period as we are missing the Initial and revised CDs disclosed to borrower. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 791 is 71 points above minimum program requirement of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.37% DTI < maximum permitted of 50% |
| 305054863 | XXXXXX | XXXXXX | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD disclosed on 02/16. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 791 is 71 points above minimum program requirement of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.37% DTI < maximum permitted of 50% |
| 305054864 | XXXXXX | XXXXXX | XXXXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 2/11/2026 and missing CD 2/13/2026 | 4.17.2026 - Missing CDs received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years 10 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.38% DTI with a max 50% allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2007 per CR. |
| 305054864 | XXXXXX | XXXXXX | XXXXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/25/2026 | 4.17.2026 - Missing CDs received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years 10 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.38% DTI with a max 50% allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2007 per CR. |
| 305054864 | XXXXXX | XXXXXX | XXXXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing Initial CD 2/11/2026 and Revised CD 2/13/2026 | 4.17.2026 - Missing CDs received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years 10 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.38% DTI with a max 50% allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2007 per CR. |
| 305054864 | XXXXXX | XXXXXX | XXXXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD 2/11/2026 | 4.17.2026 - Missing CDs received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years 10 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.38% DTI with a max 50% allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2007 per CR. |
| 305054867 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 2/27/2026 3/2/2026, 3/6/2026 and 3/10/2026. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 6/11/04.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 757 exceeds required FICO of 720.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paid off 3 installments with monthly payments totaling $1,617. New mortgage payment is $709.41. Monthly payment decrease of $907.59/mo. |
| 305054867 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/27/26. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 6/11/04.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 757 exceeds required FICO of 720.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paid off 3 installments with monthly payments totaling $1,617. New mortgage payment is $709.41. Monthly payment decrease of $907.59/mo. |
| 305054867 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide CD's 2/27/2026 3/2/2026, 3/6/2026 and 3/10/2026. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 6/11/04.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 757 exceeds required FICO of 720.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paid off 3 installments with monthly payments totaling $1,617. New mortgage payment is $709.41. Monthly payment decrease of $907.59/mo. |
| 305054867 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/27/26. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 6/11/04.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 757 exceeds required FICO of 720.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paid off 3 installments with monthly payments totaling $1,617. New mortgage payment is $709.41. Monthly payment decrease of $907.59/mo. |
| 305054902 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH123 | No evidence of required debt payoff | No | Missing verification XXXXXX debt paid off with proceeds. Debt appears in debt payoff list on CD dated 3/2/2026 and was removed per CD dated 3/2/2026. Inclusion of monthly payment results in DTI of 58.29% | 4/1/2026 Received rebuttal payoff docs can be found on pages 310-3012 and 374-377. Reviewed pages identified. Page 312 reflects the auto loan is still active. Pages 374-377 reflects proof consumer debt paid off not auto loan. Loan was qualified excluding the auto loan payment with no documents to support account was paid off.4/3/2026 Received breakdown of lender DTI, with further clarificaiton able to resolve DTI issue. | 4/1/2026 Exception remains.4/3/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x55 months exceeds max allowed 0x30x12 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has over 22 years at current job. |
| 305054902 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | Missing verification XXXXXX debt paid off with proceeds. Debt appears in debt payoff list on CD dated 3/2/2026 and was removed per CD dated 3/2/2026. Inclusion of monthly payment results in DTI of 58.29% | 4/1/2026 Received rebuttal payoff docs can be found on pages 310-3012 and 374-377. Reviewed pages identified. Page 312 reflects the auto loan is still active. Pages 374-377 reflects proof consumer debt paid off not auto loan. Loan was qualified excluding the auto loan payment with no documents to support account was paid off.4/3/2026 Received breakdown of lender DTI, with further clarificaiton able to resolve DTI issue. | 4/1/2026 Exception remains.4/3/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x55 months exceeds max allowed 0x30x12 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has over 22 years at current job. |
| 305054907 | XXXXXX | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 on full credit history.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 on credit report mortgage history reporting since June 2011. |
| 305054954 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.28% DTI, guidelines allow 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.096% LTV, program allows 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 785, guidelines require 680. |
| 305054958 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | HOC in file is missing date on Disclosure. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.82% CLTV < max permitted of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have47 months mortgage payment history 0x30. |
| 305054961 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | N/A | N/A D C | N/A | N/A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing LE's dated 02/07/2026 and 02/08/2026 per the Current Change Circumstance | 4.3.2026 - Missing disclosures provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.77% DTI with a max 50% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 score exceeds minimum 700 required for 80% CLTV. |
| 305054961 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | N/A | N/A D C | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 4.3.2026 - Missing disclosures provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.77% DTI with a max 50% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 score exceeds minimum 700 required for 80% CLTV. |
| 305054961 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | N/A | N/A D C | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD dated 02/17/2026. Need proof initial CD was received by borrower 3 days before consummation date of 02/27/2026. | 4.3.2026 - Missing disclosures provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.77% DTI with a max 50% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 score exceeds minimum 700 required for 80% CLTV. |
| 305054961 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | N/A | N/A D C | N/A | N/A D | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing Association master insurance policy verifying sufficient dwelling coverage. | 4/3/2026 Received evidence of master association policy. Supports sufficient coverage. | 4/3/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.77% DTI with a max 50% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 score exceeds minimum 700 required for 80% CLTV. |
| 305054962 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof initial CD was received by borrower 3 days before consummation date of 2/21/2026 | 3.13.2026 Lender provided initial CD | 3.13.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 4 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.52% CLTV < max permitted of 90% |
| 305054971 | XXXXXX | XXXXXX | XXXXXX | CT | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | (1) Missing verification of P&I for new financing of $72,000 with XXXXXX Anticipated payment to be $648.00/mo. (2) Missing verification of PITIA for property located 18 Greenbriar, Apt A. Per 2024 Schedule E, subject is an income producing investment property with lien(s). | 3/17/2026 Received proof that loan against Lismore was cancelled. Item 1 resolved. 3.31.26 Item # 2 . property was sold prior to note date No further documentation needed. | 3/31/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit score of 681 exceeds guideline minimum of 700<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x 30 mortgage lates in the past 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with Current job for over 6 years |
| 305054977 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A C D | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 4.22.2026 - Missing CDs received | 4.22.2026- Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.28% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 33.63% CLTV < max permitted of 90% |
| 305054977 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A C D | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing CD's dated 02/12/2026, 02/16/2026, and 02/17/2026. Need proof initial CD was received by borrower 3 days before consummation date of 02/25/2026. | 4.22.2026 - Missing CDs received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.28% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 33.63% CLTV < max permitted of 90% |
| 305054977 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A C D | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $52.06 for zero tolerance fees.Verification of Employment fee was listed on the Final CD dated 02/23/2026. Missing corresponding CD when this fee was added per the Current Change Circumstance log. | 04.22.2026 - COC and missing CDs provided | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.28% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 33.63% CLTV < max permitted of 90% |
| 305054977 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A C D | N/A | N/A C | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing Permanent Resident card for Borrower | 4/10/20206 Lender provided current, valid "green card" | 4/10/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.28% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 33.63% CLTV < max permitted of 90% |
| 305054977 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A C D | N/A | N/A C | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing VOM for XXXXXX reflecting (0x30x6) no late payments in the past 6 months; AND maximum of 1x30x24 | 4/10/2026 Lender provided credit report supplement reflecting 0x30 x47 months | 4/10/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.28% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 33.63% CLTV < max permitted of 90% |
| 305054982 | XXXXXX | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 42 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 810 fico score exceeds guidelines 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36% dti below max DTI 50% |
| 305055587 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.63% CLTV with a 90% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.43% DTI with a 50% max allowed. |
| 305055879 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.66% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 14 years. |
| 305055944 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have33 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 688 mid score > min required of 680<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CB has been with current employer for more than 7 years. |
| 305055946 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 815 mid score > min required of 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have40 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.33% CLTV < max permitted of 90% |
| 305055953 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Initial CD. | 3.24.2026 - Missing CD provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.98% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have75 months mortgage payment history 0x30. |
| 305055953 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. | 3.24.2026 - Missing CD provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.98% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have75 months mortgage payment history 0x30. |
| 305055953 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD. | 3.24.2026 - Missing CD provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.98% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have75 months mortgage payment history 0x30. |
| 305056497 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Exception fired in error due to missing initial CD 2/28/2026 per Change of Circumstance in file. Please provide. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B2 has been employed in same school district since 6/29/09.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.15% is less than max allowed 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with same school district since 10/27/09. |
| 305056497 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD 2/28/2026 per Change of Circumstance in file. Please provide. | 4.8.2026 - Missing CDs received | 4.8.226 - Exception satisifed | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B2 has been employed in same school district since 6/29/09.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.15% is less than max allowed 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with same school district since 10/27/09. |
| 305056497 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing initial CD 2/28/2026 per Change of Circumstance in file. Please provide. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B2 has been employed in same school district since 6/29/09.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.15% is less than max allowed 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with same school district since 10/27/09. |
| 305056497 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 2/28/2026 per Change of Circumstance in file. Please provide. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B2 has been employed in same school district since 6/29/09.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.15% is less than max allowed 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with same school district since 10/27/09. |
| 305056499 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing award letter / disbursement statement for disability of $1,976/month. | 3/26/2026 Lender provided satisfactory documentation | 3/31/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.20% CLTV with a max 90% allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.17% DTI with a 50% max allowed. |
| 305056499 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof initial CD was received by borrower 3 days before consummation date of 2/20/2026. | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.20% CLTV with a max 90% allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.17% DTI with a 50% max allowed. |
| 305056499 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing Initial CD in file, only have the Final CD dated 2/20/2026, unable to test with missing CD | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.20% CLTV with a max 90% allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.17% DTI with a 50% max allowed. |
| 305056499 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing award letter / disbursement statement for disability of $1,976/month | 3/26/2026 Lender provided satisfactory documentation | 3/31/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.20% CLTV with a max 90% allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.17% DTI with a 50% max allowed. |
| 305056512 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Unable to determine accurate waiting period as we do not have the Initial or multiple Revised CDs disclosed to borrowers. | 4.1.2026 - Missing CDs and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.90% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2015 per CR. |
| 305056512 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | unable to determine due to missing initial CD | 4.1.2026 - Missing CDs and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.90% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2015 per CR. |
| 305056512 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Initial CD disclosed to borrower on 02/16 is not present on file. | 4.1.2026 - Missing CDs and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.90% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2015 per CR. |
| 305056518 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD dated 2/15/2026. | 3.24.2026 - Missing CD provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18.4 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 21 years time in profession.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2014 per CR. |
| 305056518 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD dated 2/15/2026. Need proof initial CD was received by borrower 3 days before consummation date of 02/21/2026. | 3.24.2026 - Missing CD provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18.4 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 21 years time in profession.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2014 per CR. |
| 305056518 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Per Current Change Circumstance, missing Initial CD dated 2/15/2026. | 3.24.2026 - Missing CD provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18.4 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 21 years time in profession.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2014 per CR. |
| 305056519 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 2/20/26 and 2/22/26 per COC in file. | 4.22.2026 - Missing CDs provided | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.57% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 83.13% CLTV < max permitted of 90% |
| 305056519 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD dated 2/20/26 as per COC. | 4.22.2026 - Missing CDs provided | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.57% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 83.13% CLTV < max permitted of 90% |
| 305056519 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide CD's 2/20/26 and 2/22/26 per COC in file. | 4.22.2026 - Missing CDs provided | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.57% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 83.13% CLTV < max permitted of 90% |
| 305056519 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD dated 2/20/26 as per COC. | 4.22.2026 - Missing CDs provided | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.57% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 83.13% CLTV < max permitted of 90% |
| 305056520 | XXXXXX | XXXXXX | XXXXXX | GA | ATR Risk: Non-QM - Lender did not document all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Exception fired in error. | 3.25.2026 - ICD received | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 68.37%; guidelines allow 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.69% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 723 is 23 points above minimum program requirement of 700. |
| 305056520 | XXXXXX | XXXXXX | XXXXXX | GA | ATR Risk: Non-QM - Lender did not document all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/24/26 confirmed received 3 days prior to consummation date. | 3.25.2026 - ICD received | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 68.37%; guidelines allow 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.69% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 723 is 23 points above minimum program requirement of 700. |
| 305056520 | XXXXXX | XXXXXX | XXXXXX | GA | ATR Risk: Non-QM - Lender did not document all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD 2/24/26 confirmed received 3 days prior to consummation date. | 3.25.2026 - ICD received | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 68.37%; guidelines allow 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.69% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 723 is 23 points above minimum program requirement of 700. |
| 305056520 | XXXXXX | XXXXXX | XXXXXX | GA | ATR Risk: Non-QM - Lender did not document all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/24/26 confirmed received 3 days prior to consummation date. | 3.25.2026 - ICD received | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 68.37%; guidelines allow 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.69% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 723 is 23 points above minimum program requirement of 700. |
| 305056645 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 42.06% CLTV < max permitted of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.82% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 mid score > min required of 680 |
| 305056645 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD dated 02/13/2026. Need proof initial CD was received by borrower 3 days before consummation date of 02/23/2026. | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 42.06% CLTV < max permitted of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.82% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 mid score > min required of 680 |
| 305056646 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.47% CLTV with a max 80% allowed per AUS.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.67% DTI with a max 50% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 6 years and 17 years time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years at current residence. |
| 305056646 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/11/2026 | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisifed | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.47% CLTV with a max 80% allowed per AUS.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.67% DTI with a max 50% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 6 years and 17 years time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years at current residence. |
| 305056646 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Need evidence of change of circumstances letter for verification fees increase between LE 02/11/2026 and CD 03/10/2026 or a copy of a refundable check in the amount of $62.78 | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.47% CLTV with a max 80% allowed per AUS.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.67% DTI with a max 50% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 6 years and 17 years time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years at current residence. |
| 305056646 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing the Initial 2/13/2026 CD. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.47% CLTV with a max 80% allowed per AUS.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.67% DTI with a max 50% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 6 years and 17 years time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years at current residence. |
| 305056692 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued 2/18/26 per COC. | 3.27.2026 - ICD received. | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 18 Years in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 688 Guidelines allow 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 11 Years at Current Residence |
| 305056692 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued 2/18/26 per COC. | 3.27.2026 - ICD received. | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 18 Years in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 688 Guidelines allow 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 11 Years at Current Residence |
| 305056692 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD issued 2/18/26 per COC. | 3.27.2026 - ICD received. | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 18 Years in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 688 Guidelines allow 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 11 Years at Current Residence |
| 305056692 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing the initial 2/18/2026 CD. | 3.27.2026 - ICD received. | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 18 Years in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 688 Guidelines allow 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 11 Years at Current Residence |
| 305056693 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 2/18/26 and 3/4/26 per COC in file. | 4.13.2026 - Missing CDs received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 46 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 741 exceeds minimum required of 700 for up to 85% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 45.90 % is below Guidelines 50% maximum. |
| 305056693 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide CD's 2/18/26 and 3/4/26 per COC in file. | 4.13.2026 - Missing CDs received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 46 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 741 exceeds minimum required of 700 for up to 85% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 45.90 % is below Guidelines 50% maximum. |
| 305056693 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide CD's 2/18/26 and 3/4/26 per COC in file. | 4.13.2026 - Missing CDs received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 46 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 741 exceeds minimum required of 700 for up to 85% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 45.90 % is below Guidelines 50% maximum. |
| 305056693 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD issued 2/18/26 per COC in file. | 4.13.2026 - Missing CDs received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 46 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 741 exceeds minimum required of 700 for up to 85% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 45.90 % is below Guidelines 50% maximum. |
| 305056731 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 fico score exceeds guidelines 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48.31% CLTV, Guidelines allow 90%. |
| 305056819 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 2/17/26 per COC in file. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 35 mos. 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 16 years in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 741 above minimum 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 43.69% below program maximum 50.00%. |
| 305056819 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/17/26 per COC in file. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 35 mos. 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 16 years in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 741 above minimum 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 43.69% below program maximum 50.00%. |
| 305056819 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD 2/17/26 per COC in file. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 35 mos. 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 16 years in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 741 above minimum 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 43.69% below program maximum 50.00%. |
| 305056820 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment is good with no derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 786/minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.75%/maximum 50% |
| 305056880 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 2/15/26 per COC. | 3.30.2026 Lender provided initial CD | 3.31.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed with same company since 10/16/06.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments noted on credit report dating back to September 2008.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 85% is lower than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 764 exceeds minimum required 700 (CLTV 85%). |
| 305056880 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/15/26 per COC. | 3.30.2026 Lender provided initial CD | 3.31.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed with same company since 10/16/06.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments noted on credit report dating back to September 2008.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 85% is lower than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 764 exceeds minimum required 700 (CLTV 85%). |
| 305056880 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD 2/15/26 per COC. | 3.30.2026 Lender provided initial CD | 3.31.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed with same company since 10/16/06.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments noted on credit report dating back to September 2008.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 85% is lower than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 764 exceeds minimum required 700 (CLTV 85%). |
| 305056880 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/15/26 per COC. | 3.30.2026 Lender provided initial CD | 3.31.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed with same company since 10/16/06.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments noted on credit report dating back to September 2008.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 85% is lower than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 764 exceeds minimum required 700 (CLTV 85%). |
| 305056882 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 2/13/26, 2/19/26, 2/20/26 per COC. | 3.20.2026 Lender provided all CDS required | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.93%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.64% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 is 81 points above minimum program requirement of 700. |
| 305056882 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD issued 2/13/2026. | 3.20.2026 Lender provided all CDS required | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.93%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.64% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 is 81 points above minimum program requirement of 700. |
| 305056882 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide missing CD's 2/13/26, 2/19/26, 2/20/26 per COC. | 3.20.2026 Lender provided all CDS required | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.93%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.64% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 is 81 points above minimum program requirement of 700. |
| 305056882 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD issued 2/13/2026. | 3.20.2026 Lender provided all CDS required | 3.20.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.93%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.64% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 is 81 points above minimum program requirement of 700. |
| 305056895 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of 03/12/2026. | 4.21.2026 - ICD received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 6 and 11 years time in profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.88% DTI with a max 50% allowed. |
| 305056899 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | need to be dated , | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 reporting on credit since August 2003.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been employed with current company since 11/23/20.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed at current job since 8/12/15. |
| 305056900 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years time in residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.85% DTI with a 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.25% CLTV with a max 90% allowed. |
| 305056900 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD dated 02/19/2026. Need proof initial CD was received by borrower 3 days before consummation date of 02/23/2026 | 3.26.2026 - ICD received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years time in residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.85% DTI with a 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.25% CLTV with a max 90% allowed. |
| 305056933 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Right of Rescission | Active B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Expiration date of 3/6/26 on form is prior to end of rescission period date of 3/9/26. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.06% DTI, program allows 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current residence for 8 years 3 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on Job for 6 years. |
| 305056940 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing CD's dated 02/14/2026, 02/16/2026, and 02/17/2026 | 3.27.2026 - Missing CDs received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 77.30%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.35% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 mid score > min required of 700 |
| 305056940 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD dated 2/14/26 per the COC in file. | 3.27.2026 - Missing CDs received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 77.30%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.35% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 mid score > min required of 700 |
| 305056940 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD dated 2/14/26 per the COC in file. | 3.27.2026 - Missing CDs received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 77.30%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.35% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 mid score > min required of 700 |
| 305056941 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.48% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.49% CLTV < max permitted of 90% |
| 305056941 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD 2/17/26 and subsequent CD 2/28/26 Need proof initial CD was received by borrower 3 days before consummation date of 3/18/2026. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.48% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.49% CLTV < max permitted of 90% |
| 305056941 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing initial CD 2/17/26 and subsequent CD 2/28/26 per Change of Circumstance in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.48% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.49% CLTV < max permitted of 90% |
| 305056941 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 2/17/26. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.48% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.49% CLTV < max permitted of 90% |
| 305056942 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been employed at same school district since 8/9/06.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since 4/3/15.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments report on credit report. Earliest open tradelines is August 2000. |
| 305056943 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 2/19/26 per the COC in file. | 4.24.2026 - Missing CDs provided | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 56.61% is less than max allowed 85%.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Total monthly payments being paid off is $1,383. New payment of $490.01/mo. Decrease of monthly payments in amount of $892.99/mo.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since 2012 per credit report. |
| 305056943 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/19/26 per the COC in file. | 4.24.2026 - Missing CDs provided | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 56.61% is less than max allowed 85%.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Total monthly payments being paid off is $1,383. New payment of $490.01/mo. Decrease of monthly payments in amount of $892.99/mo.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since 2012 per credit report. |
| 305056943 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD 2/19/26 per the COC in file. | 4.24.2026 - Missing CDs provided | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 56.61% is less than max allowed 85%.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Total monthly payments being paid off is $1,383. New payment of $490.01/mo. Decrease of monthly payments in amount of $892.99/mo.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since 2012 per credit report. |
| 305056943 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/19/26 per the COC in file. | 4.24.2026 - Missing CDs provided | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 56.61% is less than max allowed 85%.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Total monthly payments being paid off is $1,383. New payment of $490.01/mo. Decrease of monthly payments in amount of $892.99/mo.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since 2012 per credit report. |
| 305057448 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 2/14/26 and 2/16/26 per COC in file. | 4.14.2026 - Missing CDs received | 4.14.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 21 years in current profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.66% CLTV with a max 80% allowed per AUS.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.74% DTI with a max 50% allowed. |
| 305057448 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/14/26 per COC in file. | 4.14.2026 - Missing CDs received | 4.14.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 21 years in current profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.66% CLTV with a max 80% allowed per AUS.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.74% DTI with a max 50% allowed. |
| 305057448 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/14/26 per COC in file. | 4.14.2026 - Missing CDs received | 4.14.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 21 years in current profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.66% CLTV with a max 80% allowed per AUS.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.74% DTI with a max 50% allowed. |
| 305057452 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Only CD in file is dated 2/26/26 and signed 3/2/26. Please provide initial CD dated 3 days prior to consummation date of 3/2/26. | 3.30.2026 Lender provided Initial CD | 3.31.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 706/minimum 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 45.46%/maximum 50% |
| 305057452 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide Initial CD. | 3.30.2026 Lender provided Initial CD | 3.31.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 706/minimum 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 45.46%/maximum 50% |
| 305057481 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Appear to be missing the following disclosures: LE dated 1/31/2026, CD dated 2/5/2026, CD dated 2/12/2026 & CD dated 2/13/2026. | 3.11.2026 Lender provided all LE'S and CD'S | 3.11.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.91% CLTV < max permitted of 90%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 21 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 mid score > min required of 700 |
| 305057481 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Appear to be missing the following disclosures: LE dated 1/31/2026, CD dated 2/5/2026, CD dated 2/12/2026 & CD dated 2/13/2026. | 3.11.2026 Lender provided all LE'S and CD'S | 3.11.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.91% CLTV < max permitted of 90%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 21 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 mid score > min required of 700 |
| 305057481 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Appear to be missing the following disclosures: LE dated 1/31/2026, CD dated 2/5/2026, CD dated 2/12/2026 & CD dated 2/13/2026. | 3.11.2026 Lender provided all LE'S and CD'S | 3.11.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.91% CLTV < max permitted of 90%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 21 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 mid score > min required of 700 |
| 305057481 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Appear to be missing the following disclosures: LE dated 1/31/2026, CD dated 2/5/2026, CD dated 2/12/2026 & CD dated 2/13/2026. | 3.11.2026 Lender provided initial CD | 3.11.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.91% CLTV < max permitted of 90%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 21 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 mid score > min required of 700 |
| 305057481 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Appear to be missing the following disclosures: LE dated 1/31/2026, CD dated 2/5/2026, CD dated 2/12/2026 & CD dated 2/13/2026. | 3.11.2026 Lender provided all LE'S and CD'S | 3.11.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.91% CLTV < max permitted of 90%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 21 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 mid score > min required of 700 |
| 305057499 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years 2 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.64% CLTV with a 90% max allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 27 years 8 months time in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 817 score exceeds 740 minimum required. |
| 305057585 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.06%/maximum 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 773/minimum 680 |
| 305057641 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Subject loan is declared Rebuttable Presumption by client; Clayton status is Non-QM due to fees too high. Adjusted charges $3922.34, Max charges 3525.24. Difference of $397.10. Exceeds 5% by .563%. Fees included in calculation $695 Appraisal paid to affiliate, $2727.34 Discount and $500 lock in fee. | 3.26.2026 - Appraisal invoice provided only part paid to affiliate. | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 80.33% is lower than max allowed 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 reporting on credit since 2014. |
| 305057641 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Federal Higher-Priced | Satisfied C A | CMPFDHP2958 | Federal Higher-priced mortgage loan - No evidence that copy of appraisal provided at least 3 days prior to closing. | No | Appraisal disclosure was signed 2/16/26, but did not waive 3 day timing requirement. B1 downloaded appraisal on 2/25/26. Note date is 2/27/26. | 3.26.2026 - Appraisal invoice provided only part paid to affiliate. | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 80.33% is lower than max allowed 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 reporting on credit since 2014. |
| 305057641 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Section 32 | Satisfied C B | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Adjusted charges $3922.34, Max charges 3525.24. Difference of $397.10. Exceeds 5% by .563%. Fees included in calculation $695 Appraisal paid to affiliate, $2727.34 Discount and $500 lock in fee. | 3.26.2026 - Appraisal invoice provided only part paid to affiliate. | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 80.33% is lower than max allowed 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 reporting on credit since 2014. |
| 305057641 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of 2/27/2026. | 3.25.2026 - Missing CDs provided | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 80.33% is lower than max allowed 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 reporting on credit since 2014. |
| 305057641 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing Initial CD | 3.25.2026 - Missing CDs provided | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 80.33% is lower than max allowed 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 reporting on credit since 2014. |
| 305057642 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2019 per CR.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years 7 month at current job. |
| 305057642 | XXXXXX | XXXXXX | XXXXXX | IA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/3/2026. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2019 per CR.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years 7 month at current job. |
| 305057643 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Initial CD issued 2/17/2026. | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 687 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.80% CLTV < max permitted of 75%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 17 years. |
| 305057643 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD issued 2/17/2026. | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 687 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.80% CLTV < max permitted of 75%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 17 years. |
| 305057643 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD issued 2/17/2026. | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 687 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.80% CLTV < max permitted of 75%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 17 years. |
| 305057643 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing Permanent Resident card for Borrower | 4/10/2026 Lender provided copy of current, valid "green card" | 4/10/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 687 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.80% CLTV < max permitted of 75%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 17 years. |
| 305057645 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 2/15/26, 2/16/26,2/23/26. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 305057645 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 2/15/26. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 305057645 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 2/15/26. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 305057647 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD | 3.23.2026 - ICD received. | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 305057647 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD dated 02/17/2026. Need proof initial CD was received by borrower 3 days before consummation date of 02/23/2026 | 3.23.2026 - ICD received. | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 305057647 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD | 3.23.2026 - ICD received. | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 305057650 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.91% CLTV with a 90% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2005 per CR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years 8 months at current residence. |
| 305057651 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with no derogatory events<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years at current residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment is good with no derogatory events |
| 305057652 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.32% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.61% CLTV < max permitted of 85% |
| 305057654 | XXXXXX | XXXXXX | XXXXXX | MT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2478 | Missing Legal Documentation | No | Please provide CD's issued 2/2/26 and 2/19/26 per the COC. | 4.1.2026 - Missing CDs and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 680. Approved FICO is 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 42.78.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 54.23 |
| 305057654 | XXXXXX | XXXXXX | XXXXXX | MT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/2/26 per the COC. | 4.1.2026 - Missing CDs and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 680. Approved FICO is 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 42.78.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 54.23 |
| 305057655 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD dated 2/17/26 per the COC. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI of 34.74% is less than the max allowed of 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current home for 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers TLTV is at 74% which is less than the max allowed of 90%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for over 22 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $48,436.77 in post close reserves (Cash Out Funds). No reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 764 exceeds the min requirement of 680. |
| 305057655 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD dated 2/17/26 per the COC. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI of 34.74% is less than the max allowed of 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current home for 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers TLTV is at 74% which is less than the max allowed of 90%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for over 22 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $48,436.77 in post close reserves (Cash Out Funds). No reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 764 exceeds the min requirement of 680. |
| 305057655 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD dated 2/17/26 per the COC. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI of 34.74% is less than the max allowed of 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current home for 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers TLTV is at 74% which is less than the max allowed of 90%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for over 22 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $48,436.77 in post close reserves (Cash Out Funds). No reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 764 exceeds the min requirement of 680. |
| 305057670 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 17 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.41% is below the guideline maximum of 50%. |
| 305057747 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 717 exceeds required FICO of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 76.70% is less than max allowed 85%.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paying off debts totaling monthly payments of $1051. New payment is $417.10. |
| 305057752 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | (1) XXXXXX inquiry dated 1/22/26. Per letter of explanation on 2/23/26, obtained to open a new XXXXXX, no statement provided. (2) Per Data Verify, cancelled XXXXXX mortgage 12/22/25 1 day after closing. Title from 2/8/26 does not reflect mortgage but previous mortgages were recorded 2 months after closing. DataVerify MERS report shows $166,000 loan opened 1/8/26. | 3/27/2026 Received current stmt for new XXXXXX Account. Payment added to DTI and remains within guideline @ 43.38%4/3/2026 Received LOX for XXXXXX Mortgage inquiry however it's incomplete. The comment does not state if a new account was opened and is not reflect the explanation was provided by the borrower. 4/7/2026 Received LOX for XXXXXX Mortgage inquiry stating no new debt received | 3/31/2026 Exception partially satisfied. 4/3/2026 Exception item 2 remains.4/7/2026 Exception(s) satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $9,111.56 (2.51 months PITIA reserves) > min required reserves of $0<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting in credit history opened since March 2015.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since October 2020. |
| 305057765 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 3/6/26 per COC in file. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 23 years time in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 score exceeds 720 minimum required. |
| 305057765 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/6/26 per COC in file. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 23 years time in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 score exceeds 720 minimum required. |
| 305057765 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/6/26 per COC in file. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 23 years time in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 score exceeds 720 minimum required. |
| 305057768 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | N/A | N/A D C | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Reviewer calculated DTI of 109.94%. Two items are contributing higher calculated back DTI. First, Missing documentation to support omitting the loss from trust of ($39872) in income calculation. Including the loss decreased qualifying income to $4,841.83. Second, lender guidelines indicate to revert to FNMA guidelines when directives are not covered in their own guidelines. An installment loan was opened in 5/2025 which is being documented as paid by business however the installment has < 12 mos. History. Per FNMA guide a 12 month history is required to support omitting the obligation. With the inclusion of the trust loss and the new payment of $1,342.00 DTI exceeds program maximum 50%. | 4/10/2026 Received rebuttal from lender citing pages 231 - 253 of original document pdf. Review of the business bank statements provided supports 8 payment made by business. Min required to omit is 12 per FNMA guideline. 4/15/2026 Received revised income worksheet supporting higher income able to be used per month. Using higher income and including the new loan payment paid by business < 12 months the DTI is < maximum permitted. | 4/10/2026 Exception remains 4/15/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 753 exceeds required FICO of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 37.47% is less than max allowed 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per secretary of state search, B1 has owned current employer since April 2025. |
| 305057768 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | N/A | N/A D C | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance fail for $152.00. Discount points increased to $552.00 on final CD. No documentation provided disclosing increase in fee. Please provide documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 4.13.2026 - COC provided | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 753 exceeds required FICO of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 37.47% is less than max allowed 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per secretary of state search, B1 has owned current employer since April 2025. |
| 305057768 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | N/A | N/A D C | N/A | N/A D | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | Reviewer calculated DTI of 109.94%. Two items are contributing higher calculated back DTI. First, Missing documentation to support omitting the loss from trust of ($39872) in income calculation. Including the loss decreased qualifying income to $4,841.83. Second, lender guidelines indicate to revert to FNMA guidelines when directives are not covered in their own guidelines. An installment loan was opened in 5/2025 which is being documented as paid by business however the installment has < 12 mos. History. Per FNMA guide a 12 month history is required to support omitting the obligation. With the inclusion of the trust loss and the new payment of $1,342.00 DTI exceeds program maximum 50%. | 4/10/2026 Received rebuttal from lender citing pages 231 - 253 of original document pdf. Review of the business bank statements provided supports 8 payment made by business. Min required to omit is 12 per FNMA guideline. 4/15/2026 Received revised income worksheet supporting higher income able to be used per month. Using higher income and including the new loan payment paid by business < 12 months the DTI is < maximum permitted. | 4/10/2026 Exception remains. 4/15/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 753 exceeds required FICO of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 37.47% is less than max allowed 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per secretary of state search, B1 has owned current employer since April 2025. |
| 305057782 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide Initial CD with proof of receipt. | 03/17/2026- Client provided CD's dated 02/13/2026, 02/16/2026, 02/17/2026, and 02/18/2026. | 03/17/2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.30% CLTV < max permitted of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.96% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have45 months mortgage payment history 0x30. |
| 305057782 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide Initial CD with proof of receipt. | 03/17/2026- Client provided CD's dated 02/13/2026, 02/16/2026, 02/17/2026, and 02/18/2026. | 03/17/2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.30% CLTV < max permitted of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.96% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have45 months mortgage payment history 0x30. |
| 305057782 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Provide Initial CD with proof of receipt. | 03/17/2026- Client provided CD's dated 02/13/2026, 02/16/2026, 02/17/2026, and 02/18/2026. | 03/17/2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.30% CLTV < max permitted of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.96% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have45 months mortgage payment history 0x30. |
| 305057782 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Provide Initial CD with proof of receipt. | 03/17/2026- Client provided CD's dated 02/13/2026, 02/16/2026, 02/17/2026, and 02/18/2026. | 03/17/2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.30% CLTV < max permitted of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.96% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have45 months mortgage payment history 0x30. |
| 305057785 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 23 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.59% CLTV < max permitted of 85% |
| 305057816 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Home Ownership Counseling Disclosure in file not signed or dated. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 46.68% DTI < maximum permitted of 50%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 years with current employer and in the industry.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have56 months mortgage payment history 0x30. |
| 305057889 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 2/20/126 per COC in file. | 4.7.2026 - Missing CDs received. | 4.7.2026 - Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 305057889 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/20/126 per COC in file. | 4.7.2026 - Missing CDs received. | 4.7.2026 - Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 305057889 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/20/126 per COC in file. | 4.7.2026 - Missing CDs received. | 4.7.2026 - Exception satisfied | (No Data) | Not Applicable | (No Data) |
| 305057890 | XXXXXX | XXXXXX | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing proof HELOC paid at close has been closed to future draws. No borrower authorization to close HELOC was located in file. | 4/24/2026 Received copy of executed closure letter for HELOC paid at close. | 4/24/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: The borrower is reducing their monthly debt service by $480.34 or 7.6988% debt to income.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 700. Approved FICO is 717.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the residence for 18 years. |
| 305057890 | XXXXXX | XXXXXX | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 2/23/26, 2/24/26,3/11/26 and 3/18/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: The borrower is reducing their monthly debt service by $480.34 or 7.6988% debt to income.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 700. Approved FICO is 717.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the residence for 18 years. |
| 305057890 | XXXXXX | XXXXXX | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 2/23/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026-Exception satisfied | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: The borrower is reducing their monthly debt service by $480.34 or 7.6988% debt to income.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 700. Approved FICO is 717.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the residence for 18 years. |
| 305057890 | XXXXXX | XXXXXX | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 2/23/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: The borrower is reducing their monthly debt service by $480.34 or 7.6988% debt to income.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 700. Approved FICO is 717.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the residence for 18 years. |
| 305057890 | XXXXXX | XXXXXX | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof HELOC paid at close has been closed to future draws. No borrower authorization to close HELOC was located in file. | 4/24/2026 Received copy of executed closure letter for HELOC paid at close. | 4/24/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: The borrower is reducing their monthly debt service by $480.34 or 7.6988% debt to income.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 700. Approved FICO is 717.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the residence for 18 years. |
| 305057894 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Texas Home Equity | Active B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 697 mid score > min required of 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.44% is below the guideline maximum of 50%. |
| 305057894 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Texas Home Equity | Active B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 697 mid score > min required of 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.44% is below the guideline maximum of 50%. |
| 305057907 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 41.77% CLTV with a 90% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 score exceeds 680 minimum required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.47% DTI with a 50% max allowed. |
| 305057909 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.99% CLTV with a max 80% allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.20% DTI with a 50% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 37 years time at current residence. |
| 305057933 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing CD's dated 02/27/2026. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.90% DTI with a max 50% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 years time in profession. |
| 305057933 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD 2/27/2026 per the current change of Circumstance. Need proof initial CD was received by borrower 3 days before consummation date of 03/20/2026. | 4.21.2026 - Missing CDs received | 4.21.2026-Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.90% DTI with a max 50% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 years time in profession. |
| 305057933 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD 2/27/2026 | 4.21.2026 - Missing CDs received | 4.21.2026-Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.90% DTI with a max 50% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 years time in profession. |
| 305057971 | XXXXXX | XXXXXX | XXXXXX | CT | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 720. Approved FICO is 771.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 75%. Approved CLTV is 55.996%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Verified DTI is 43.18%. |
| 305057976 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | HOC in file is missing date on disclosure. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.72% CLTV with a 75% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.82% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2009 per CR. |
| 305058318 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has 12 years at current job.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x49 months exceeds the allowed 1x30x24 and 0x30x6 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has over 14 years at current job. |
| 305058318 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing CD's dated 02/24/2026, 03/08/2026 and 03/11/2026. Need proof initial CD was received by borrower 3 days before consummation date of 03/14/2026. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has 12 years at current job.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x49 months exceeds the allowed 1x30x24 and 0x30x6 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has over 14 years at current job. |
| 305058320 | XXXXXX | XXXXXX | XXXXXX | IN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 2/18/26, 2/19/26, 3/5/26, 3/10/26 per COC provided in file. | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Coborrower has been with current employer for 26 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have occupied the property for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score 741 with minimum 720 required. |
| 305058320 | XXXXXX | XXXXXX | XXXXXX | IN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial Cd 2/18/26 per COC in file. | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Coborrower has been with current employer for 26 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have occupied the property for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score 741 with minimum 720 required. |
| 305058320 | XXXXXX | XXXXXX | XXXXXX | IN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide CD's 2/18/26, 2/19/26, 3/5/26, 3/10/26 per COC provided in file. | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Coborrower has been with current employer for 26 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have occupied the property for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score 741 with minimum 720 required. |
| 305058320 | XXXXXX | XXXXXX | XXXXXX | IN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial Cd 2/18/26 per COC in file. | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Coborrower has been with current employer for 26 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have occupied the property for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score 741 with minimum 720 required. |
| 305059129 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.67%/maximum 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 792/minimum 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events |
| 305059130 | XXXXXX | XXXXXX | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B2 has been employed at same company since 11/12/1993.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 733 exceeds required FICO of 720.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments report on credit report since December 1998. |
| 305059131 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing initial CD 2/19/26 per the COC. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 5 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reporting to credit is positive. |
| 305059131 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 2/19/26 per the COC. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 5 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reporting to credit is positive. |
| 305059131 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide missing CD 2/19/26 per the COC. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 5 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reporting to credit is positive. |
| 305059131 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 2/19/26 per the COC. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 5 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reporting to credit is positive. |
| 305059132 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD confirmed received 3 days prior to consummation date of 2/21/26. | 03/17/2026- Client provided Initial CD dated 02/08/2026. | 03/17/2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 86.91% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required of 720<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 7 years. |
| 305059132 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD confirmed received 3 days prior to consummation date of 2/21/26. | 03/17/2026- Client provided Initial CD dated 02/08/2026. | 03/17/2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 86.91% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required of 720<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 7 years. |
| 305059132 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD confirmed received 3 days prior to consummation date of 2/21/26. | 03/17/2026- Client provided Initial CD dated 02/08/2026. | 03/17/2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 86.91% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required of 720<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 7 years. |
| 305059336 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A B C | N/A | N/A B | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Home Owners Counseling form in file does not have date of delivery. | 3.30.2026 - HCO and timeline located in file | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 73.97 lower than max allowed 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO score of 680 exceeds minimum required 680 (75% LTV).<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 for all mortgage history reporting on credit report since August 2022. |
| 305059336 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A B C | N/A | N/A B | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Letter of explanation for inquiries signed and dated 2/26/26 states opened new line of credit with XXXXXX Mortgage on 2/17/26. No supporting documents received. | 3/30/2026 Empty rebuttal received. Date of inquiry lines up with subject transaction. | 3/30/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 73.97 lower than max allowed 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO score of 680 exceeds minimum required 680 (75% LTV).<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 for all mortgage history reporting on credit report since August 2022. |
| 305059345 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued and confirmed by borrower 3 days prior to consummation date of 02/21/2026. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 725 exceeds minimum requirement of 680 for 75% CLTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has occupied subject property for 50 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 67.71 lower than max allowed 90%. |
| 305059345 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued and confirmed by borrower 3 days prior to consummation date of 02/21/2026. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 725 exceeds minimum requirement of 680 for 75% CLTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has occupied subject property for 50 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 67.71 lower than max allowed 90%. |
| 305059345 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD from loan file. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 725 exceeds minimum requirement of 680 for 75% CLTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has occupied subject property for 50 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 67.71 lower than max allowed 90%. |
| 305059345 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Credit | Credit/Mtg History | Active B | CRDCRMH122 | Foreclosure history does not meet guidelines | No | Fraud Guard indicates a foreclosure occurred for property located XXXXXX on 3/28/19 which is < 7 year waiting period required per guidelines. Mortgage ($98000) listed in Fraud Guard findings does not appear on the credit report. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 725 exceeds minimum requirement of 680 for 75% CLTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has occupied subject property for 50 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 67.71 lower than max allowed 90%. |
| 305059597 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide Missing Initial CD dated 2/25/2026 and revised CD 3/13/26. | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2006 per CR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years 3 months at current residence. |
| 305059597 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide Missing Initial CD dated 2/25/2026 | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2006 per CR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years 3 months at current residence. |
| 305059597 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide Missing Initial CD dated 2/25/2026 | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2006 per CR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years 3 months at current residence. |
| 305059606 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: No revolving tradelines on credit report. Has 2 mortgages (3 after this transaction) and 1 installment.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CTLV OF 15.039% is less than max allowed 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE in file, borrower has been employed at same company since 9/26/05. 20 yrs, 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 777 exceeds minimum requirement of 700. |
| 305059607 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.90% CLTV < max permitted of 75% |
| 305059733 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 2/21/26 per COC in file. | 4.7.2026 - Missing CDs and COCs provided | 4.7.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 60.33%; guidelines allow 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.81% DTI < maximum permitted of 50% |
| 305059733 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/21/26 per COC in file. | 4.7.2026 - Missing CDs and COCs provided | 4.7.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 60.33%; guidelines allow 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.81% DTI < maximum permitted of 50% |
| 305059733 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD 2/21/26 per COC in file. | 4.7.2026 - Missing CDs and COCs provided | 4.7.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 60.33%; guidelines allow 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.81% DTI < maximum permitted of 50% |
| 305059734 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.73% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 mid score > min required of 720 |
| 305059734 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/12/2026 | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.73% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 mid score > min required of 720 |
| 305059734 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD 3/19/2026 | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.73% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 mid score > min required of 720 |
| 305059735 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/11/2026 | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2018 per CR. |
| 305059735 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD 3/11/2026. Need proof initial CD was received by borrower 3 days before consummation date of 3/14/2026 | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2018 per CR. |
| 305059735 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD 3/11/2026 | 4.15.2026 - Missing CDs received | 4.15.2026 - Exeption satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2018 per CR. |
| 305059764 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting in credit history starting August 2002.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VOE, employed with same school district since 2/12/08.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paying off debt with monthly payments of $2,438 with closed-end second mortgage with payment of $906.34. This is a savings of $1,531.66/mo.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since November 2018. |
| 305060161 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing CD's dated 02/21/2026, 02/23/2026, and 02/27/2026 per the Current Change Circumstance. | 4.10.2026 Lender provided initial CD | 4.10.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.86% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.02% CLTV < max permitted of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 696 mid score > min required of 680 |
| 305060161 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing CD's dated 02/21/2026, 02/23/2026, and 02/27/2026 per the Current Change Circumstance. Need proof initial CD was received by borrower 3 days before consummation date of 03/05/2026. | 4.10.2026 Lender provided Initial CD | 4.10.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.86% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.02% CLTV < max permitted of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 696 mid score > min required of 680 |
| 305060161 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing evidence of sufficient homeowners' coverage for 1st lien UPB and subject transaction. Current policy reflects dwelling coverage of $28,000. Minimum required coverage is $245,540 | 4/10/2026 Lender provided satisfactory association master policy | 4/10/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.86% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.02% CLTV < max permitted of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 696 mid score > min required of 680 |
| 305060162 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 2/20/26, 2/21/26, 2/27/26 per the COC. | 4.7.2026 - ICD received | 4.7.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84.13% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.61% is below the guideline maximum of 50%. |
| 305060162 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/20/26. | 4.7.2026 - ICD received | 4.7.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84.13% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.61% is below the guideline maximum of 50%. |
| 305060162 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/20/26. | 4.7.2026 - ICD received | 4.7.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84.13% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.61% is below the guideline maximum of 50%. |
| 305060164 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide Initial CD 2/20/2026 | 3.24.2026 - Missing CD provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.31% CLTV < max permitted of 75% |
| 305060164 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide Initial CD 2/20/2026 | 3.24.2026 - Missing CD provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.31% CLTV < max permitted of 75% |
| 305060164 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide Initial CD 2/20/2026 | 3.24.2026 - Missing CD provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.31% CLTV < max permitted of 75% |
| 305060164 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide Initial CD 2/20/2026 | 3.24.2026 - Missing CD provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.31% CLTV < max permitted of 75% |
| 305060419 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 2/20/26, 3/11/26, 3/13/26 | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 700. Approved FICO is 725.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Total monthly debt reduced by $566.24 or 7.67% DTI.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Thirty-six months mortgage history with no past due payments. |
| 305060419 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide Missing Initial CD 2/20/2026 | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 700. Approved FICO is 725.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Total monthly debt reduced by $566.24 or 7.67% DTI.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Thirty-six months mortgage history with no past due payments. |
| 305060419 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide missing CD's 2/20/26, 3/11/26, 3/13/26 | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 700. Approved FICO is 725.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Total monthly debt reduced by $566.24 or 7.67% DTI.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Thirty-six months mortgage history with no past due payments. |
| 305060419 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide Missing Initial CD 2/20/2026 | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 700. Approved FICO is 725.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Total monthly debt reduced by $566.24 or 7.67% DTI.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Thirty-six months mortgage history with no past due payments. |
| 305060422 | XXXXXX | XXXXXX | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 2/25. Also Missing CD 3/4, CD 3/7 & CD 3/24. | 4.21.2026 - Missing CDs received | 4.21.2026-Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have89 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.43% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 mid score > min required of 700 |
| 305060422 | XXXXXX | XXXXXX | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/27/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have89 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.43% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 mid score > min required of 700 |
| 305060422 | XXXXXX | XXXXXX | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing CD's dated 2/25, 3/4, 3/7 & 3/24. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have89 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.43% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 mid score > min required of 700 |
| 305060422 | XXXXXX | XXXXXX | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD dated 2/25. | 4.21.2026 - Missing CDs received | 4.21.2026-Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have89 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.43% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 mid score > min required of 700 |
| 305060613 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | COC dated 02/24/2026 indicates 3 missing CD's 2/17/2026, 02/19/2026, and 02/19/2026 not provided. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisifed | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.82% DTI with a max 50% allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.96% CLTV with a max 90% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 score exceeds 700 minimum required. |
| 305060613 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | COC dated 02/24/2026 indicates 3 missing CD's 2/17/2026, 02/19/2026, and 02/19/2026 not provided. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.82% DTI with a max 50% allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.96% CLTV with a max 90% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 score exceeds 700 minimum required. |
| 305060613 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | COC dated 02/24/2026 indicates 3 missing CD's 2/17/2026, 02/19/2026, and 02/19/2026 not provided. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.82% DTI with a max 50% allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.96% CLTV with a max 90% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 score exceeds 700 minimum required. |
| 305060613 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD issued 2/17/26 per COC in file. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.82% DTI with a max 50% allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.96% CLTV with a max 90% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 score exceeds 700 minimum required. |
| 305060672 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 2/22/26 and 2/24/26 per the COC. | 4.7.2026 - Missing CDs provided | 4.7.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.65% CLTV < max permitted of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have48 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score > min required of 680 |
| 305060672 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/22/26 per the COC. | 4.7.2026 - Missing CDs provided | 4.7.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.65% CLTV < max permitted of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have48 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score > min required of 680 |
| 305060672 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide CD's 2/22/26 and 2/24/26 per the COC. | 4.7.2026 - Missing CDs provided | 4.7.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.65% CLTV < max permitted of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have48 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score > min required of 680 |
| 305060672 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/22/26 per the COC. | 4.7.2026 - Missing CDs provided | 4.7.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.65% CLTV < max permitted of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have48 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score > min required of 680 |
| 305060690 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 12 years time in profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.48% DTI with a max 50% allowed. |
| 305060698 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 88.61% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 mid score > min required of 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.17% is below the guideline maximum of 50%. |
| 305060703 | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 17+ years with present employer<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.98 CLTV below max 90 |
| 305060709 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.71% DTI with a max 50% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years 1 month at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.53% CLTV with a max 90% allowed. |
| 305060740 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years time in current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 16 years time in profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.42% CLTV with a max 80% allowed. |
| 305060820 | XXXXXX | XXXXXX | XXXXXX | MT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | N/A | N/A C B | N/A | N/A C B | Compliance | Federal Higher-Priced | Satisfied C A | CMPFDHP2952 | Federal Higher-priced mortgage loan - Appraisal disclosure not in file | No | No appraisal disclosure signed by borrower in file. Not required. exception satisfied | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit since March 2005.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since December 2012.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 has been with current employer since 9/23/11. |
| 305060820 | XXXXXX | XXXXXX | XXXXXX | MT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD 3/12/2026 - Projected payments - Estimated taxes, insurance & Assessments nis not completed. | 4.6.2026 - PCCD received | 4.6.2026 - Exception satisfied | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit since March 2005.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since December 2012.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 has been with current employer since 9/23/11. |
| 305060820 | XXXXXX | XXXXXX | XXXXXX | MT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | 03/12/2026Section: Loan Disclosures - Escrow Account - estimated property costs over year 1 is blank. | 4.6.2026 - PCCD received | 4.6.2026 - Exception satisfied | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit since March 2005.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since December 2012.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 has been with current employer since 9/23/11. |
| 305060949 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48.90% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.40% is below the guideline maximum of 50%. |
| 305060957 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | HOC in file has no date on the Disclosure. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.21% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.07% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 680 |
| 305060970 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 2/25/26 per COC in file. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 score exceeds 700 minimum for 80% CLTV.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 42 years time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence. |
| 305060970 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/25/26 per COC in file. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 score exceeds 700 minimum for 80% CLTV.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 42 years time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence. |
| 305060970 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/25/26 per COC in file. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 score exceeds 700 minimum for 80% CLTV.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 42 years time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence. |
| 305060971 | XXXXXX | XXXXXX | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 2/24/26, 2/25/26 and 3/3/26 per the COC in file. | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 score exceeds 720 minimum required.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2019 per CR. |
| 305060971 | XXXXXX | XXXXXX | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD 2/24/26 per COC in file. | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 score exceeds 720 minimum required.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2019 per CR. |
| 305060971 | XXXXXX | XXXXXX | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD 2/24/26 per COC in file. | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 score exceeds 720 minimum required.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2019 per CR. |
| 305060972 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3 days prior to consummation date. | 4.16.2026 - Missing CD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.92% DTI < maximum permitted of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.75%; guidelines allow 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 mid score > min required of 680 |
| 305060972 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3 days prior to consummation date. | 4.16.2026 - Missing CD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.92% DTI < maximum permitted of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.75%; guidelines allow 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 mid score > min required of 680 |
| 305060978 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Home Ownership Counseling Disclosure in file is not dated. Unable to confirm delivery within 3 days of application. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2009 per CR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.56% CLTV with a 85% max allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 years time in profession. |
| 305061050 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 since August 2018.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.30% is lower than max allowed 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed at current company since 4/30/18.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been employed with current company since 11/2/15. |
| 305061052 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 2/27/26, 3/6/26, and 3/11/26 per COC in file. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.00% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.36% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 mid score > min required of 680 |
| 305061052 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 2/27/26 per COC in file. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.00% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.36% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 mid score > min required of 680 |
| 305061052 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide missing CD's 2/27/26, 3/6/26, and 3/11/26 per COC in file. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.00% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.36% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 mid score > min required of 680 |
| 305061052 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 2/27/26 per COC in file. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.00% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.36% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 mid score > min required of 680 |
| 305061054 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0X30 reporting on credit since March 2016.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 722 exceeds minimum required FICO of 680 (75% CLTV).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 72.19% is lower than max allowed 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: /Per VVOE, B1 has been with same employer since 10/8/92. |
| 305061069 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowners counseling organizations not dated. Insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.48% CLTV with a 75% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.42% DTI with a max 50% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years 7 months at current residence. |
| 305061070 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have47 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.54% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 mid score > min required of 700 |
| 305061180 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on Job 16 years 7 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 7 years 4 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.205% DTI, guidelines allow up to 50%. |
| 305061218 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Exception fired in error due to missing initial CD 3/6/2026 and subsequent CDs 3/16/2026 and 3/17/2026 per change of circumstance in file. Please provide. | 4.16.2026 - ICD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.63% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 697 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for more than 17 years. |
| 305061218 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD 3/6/2026 and subsequent CDs 3/16/2026 and 3/17/2026 per change of circumstance in file. Please provide. | 4.16.2026 - ICD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.63% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 697 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for more than 17 years. |
| 305061218 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 3/6/2026 and subsequent CDs 3/16/2026 and 3/17/2026 per change of circumstance in file. Please provide. | 4.16.2026 - ICD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.63% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 697 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for more than 17 years. |
| 305061222 | XXXXXX | XXXXXX | XXXXXX | OH | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 720. Approved FICO is 752.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: $241.58 in gross rental income not used to offset P&I. Per tax return - Net loss: $6,506.00; Insurance: $800.00; Mortgage interest: $4,014.00; Taxes: $2,736.00; Depreciation: $1,855.00; HOA fees: $0.00Bonus: $51,955.17 +$70,513.95 + 4,227.82 = $126,696.94 /36 = $3,519.36 monthly. Supported by WVOE.3 year average of annual bonus from 2026, 2025, and 2024.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 37.982%. Verified DTI is 36.77%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 75%. Approved CLTV is 59.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Credit report reflects 99 months of positive mortgage history. |
| 305061225 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.08%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.48% DTI < maximum permitted of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 mid score > min required of 680 |
| 305061227 | XXXXXX | XXXXXX | XXXXXX | WY | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Only in is CD dated is 2/26/26 and signed 3/2/2026, please provide Initial CD dated 3 dates prior to consummation date of 3/2/26. | 3.25.2026 - ICD received | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 85%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.58% DTI < maximum permitted of 50% |
| 305061227 | XXXXXX | XXXXXX | XXXXXX | WY | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Only in is CD dated is 2/26/26 and signed 3/2/2026, please provide Initial CD dated 3 dates prior to consummation date of 3/2/26. | 3.25.2026 - ICD received | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 85%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.58% DTI < maximum permitted of 50% |
| 305061230 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been employed at same company since 5/29/13.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit. Oldest tradeline from May 2010.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since November 2016. |
| 305061487 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | HOC in file is not dated. Disclosure requires date. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 71.35% less than max allowed 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.99% lower than max allowed 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since June 2013.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 733 exceeds minimum required credit score of 680 for CLTV 75%. |
| 305061495 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.33% CLTV < max permitted of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 688 mid score > min required of 680 |
| 305061496 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years time at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 score exceeds 700 minimum required for 80% CLTV. |
| 305061509 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Exception fired in error due to missing initial CD 2/24/2026 and subsequent CD 3/2/2026 per Change of Circumstance in file. Please provide. | 3.27.2026 - Missing CDs received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 mid score > min required of 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have99 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.82% CLTV < max permitted of 85% |
| 305061509 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD 2/24/2026 and subsequent CD 3/2/2026 per Change of Circumstance in file. Please provide. | 3.27.2026 - Missing CDs received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 mid score > min required of 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have99 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.82% CLTV < max permitted of 85% |
| 305061509 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Missing initial CD 2/24/2026 and subsequent CD 3/2/2026 per Change of Circumstance in file. Please provide. | 3.27.2026 - Missing CDs received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 mid score > min required of 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have99 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.82% CLTV < max permitted of 85% |
| 305061509 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 2/24/2026 and subsequent CD 3/2/2026 per Change of Circumstance in file. Please provide. | 3.27.2026 - Missing CDs received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 mid score > min required of 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have99 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.82% CLTV < max permitted of 85% |
| 305061510 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have31 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.00% is below the guideline maximum of 50%. |
| 305061519 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | '-Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 2/24/2026 | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.8.6% DTI < maximum permitted of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 688 mid score > min required of 680 |
| 305061519 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/17/2026 | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.8.6% DTI < maximum permitted of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 688 mid score > min required of 680 |
| 305061519 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Initial CD 2/24/2026 missing. | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.8.6% DTI < maximum permitted of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 688 mid score > min required of 680 |
| 305061523 | XXXXXX | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.34% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.08% is below the guideline maximum of 50%. |
| 305061569 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 2/16/26, 2/24/26, and 3/3/26 per the COC. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.92% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 score exceeds the 720 minimum required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 81.05% CLTV with a 90% max allowed. |
| 305061569 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/16/26 per the COC. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.92% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 score exceeds the 720 minimum required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 81.05% CLTV with a 90% max allowed. |
| 305061569 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/16/26 per the COC. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.92% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 score exceeds the 720 minimum required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 81.05% CLTV with a 90% max allowed. |
| 305061569 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | N/A | N/A D B | N/A | N/A D | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing satisfactory payment history for 1st lien xx12889 reflecting maximum of 1x30 x24 months. | 4/10/2026 Lender provided satisfactory payment history > 24 months. | 4/10/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.92% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 score exceeds the 720 minimum required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 81.05% CLTV with a 90% max allowed. |
| 305061570 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Please provide initial LE. Only LE in file is dated 2/23/26 more than 3 days after initial 1003 dated 1/24/26. | 4.6.2026 - E sign summary provided however it relfects initial LEs were created 1.24.2026. Please provide Initial LE.4.9.2026 - Documents provided show in red disclosure was created on 1.24.2026 and sent 1.26.2026. We dont need it acknowledged we just need a copy of it.4.15.2026 - Please take a look at the LE loan summary. There was not a LE disclosed on 01/24/26. HELOC Agreement created and sent on 01/24/26 (please refer to pages 9-11 of the rebuttal pkg previous sent) but never acknowledged. Product changed to HELOAN on 02/18/2026. Compliance check and LE chronological Order Summary clearly state a disclosure was created on 1.24.2026 and send 1.26.2026. Application dated 1.24.2026 also located on page 509 of original package. Earliest LE in file dated 2.23.2026 which is not within 3 days of initial application date of 1.24.2026.4.24.2026 - The initial disclosure package was disclosed as a HELOC on 1/24/26. HELOCS do not have LEs because they are not subject to TRID. The product changed on 2/18/26 to HELOAN, requiring an LE. Therefor the initial LE was issued 2/18/26 but there is sufficient evidence in the file that the initial disclosure package was sent to the borrower on the application date. The e-disclosure compliance log verbiage of "LE-Affiliate" is the name of label in our system that is pulling in the information; however, the document uploaded to that label on 1/24/26 is the HELOC Loan Terms Agreement. | 4.6.2026 - Exception remains4.9.2026 - Exception remains4.15.2026 - Exception remains4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.90% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.77% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 mid score > min required of 700 |
| 305061596 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Texas Home Equity | Active B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.54% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 score exceeds 680 minimum required for 75% CLTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10.1 years at current residence. |
| 305061596 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Texas Home Equity | Active B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.54% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 score exceeds 680 minimum required for 75% CLTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10.1 years at current residence. |
| 305061603 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Evidence of Homeowners Association dues of $11.08 for subject property required. Title report states PUD. | 4/20/2026 Received verification of annual HOA expense. Supports $11.08 per month used to qualify. | 4/20/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 729 exceeds required FICO of 680.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paid off debts totaling $1025 in monthly payments. New mortgage payment is $518.44. Decrease of $506.56/mo.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Post-closing DTI of 18.22% is lower than max allowed 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 65.89% is less than max allowed 90%. |
| 305061643 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | Home Owner's Counseling Disclosure provided was not dated. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12+ years at subject property<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 99 months |
| 305061649 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.01% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid score > min required of 680 |
| 305061655 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Home Owners Counseling document in file is not dated. Unable to confirm if provided within 3 days of application. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 804 is above the required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65.03% is below the maximum allowable of 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for over 17 years. |
| 305061679 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 811 Guidelines allow 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 15 Years in Current Profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 96 Months |
| 305061685 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Only CD in file is dated 3/3/26 and signed 3/5/26. Please provide initial CD dated 3 days prior to consummation date of 3/5/26. | 4.1.2026 - ICD received | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 690/minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 43.74%/maximum 50% |
| 305061686 | XXXXXX | XXXXXX | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 82.91% CLTV < max permitted of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have53 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid score > min required of 700 |
| 305061686 | XXXXXX | XXXXXX | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof Initial CD was received by the Borrower 3 days prior to consummation date of 03/16/2026. | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 82.91% CLTV < max permitted of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have53 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid score > min required of 700 |
| 305061688 | XXXXXX | XXXXXX | XXXXXX | NE | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 2/25/2026. Also Missing CD 3/1/2026, 3/11/2026, 3/11/2026-2 and 3/20/2026 | 4.20.2026 - Missing CDs provided | 4.20.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.44% CLTV with a max 85% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 22 years time in profession.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2016 per CR. |
| 305061688 | XXXXXX | XXXXXX | XXXXXX | NE | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/23/2026 | 4.20.2026 - Missing CDs provided | 4.20.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.44% CLTV with a max 85% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 22 years time in profession.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2016 per CR. |
| 305061688 | XXXXXX | XXXXXX | XXXXXX | NE | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD 2/25/2026 | 4.20.2026 - Missing CDs provided | 4.20.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.44% CLTV with a max 85% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 22 years time in profession.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2016 per CR. |
| 305061701 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 48 Months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 681 Guidelines allow 680 |
| 305061733 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 13 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 42.70% DTI < maximum permitted of 50% |
| 305061736 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 750 exceeds required FICO of 700 (85% CTLV).<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 7/3/11.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 79.19% is less than max allowed 90%. |
| 305061762 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 2/25/26 per COC in file. | 4.24.2026 - Missing CD received | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 727 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.66% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.46% CLTV < max permitted of 90% |
| 305061762 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/25/26 per COC in file. | 4.24.2026 - Missing CD received | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 727 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.66% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.46% CLTV < max permitted of 90% |
| 305061762 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD 2/25/26 per COC in file. | 4.24.2026 - Missing CD received | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 727 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.66% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.46% CLTV < max permitted of 90% |
| 305061762 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/25/26 per COC in file. | 4.24.2026 - Missing CD received | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 727 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.66% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.46% CLTV < max permitted of 90% |
| 305061763 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/5/2026. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 782 exceeds required FICO of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 46.71% is less than max allowed 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting. Oldest tradeline in credit opened September 2007. |
| 305061763 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/11/2026. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 782 exceeds required FICO of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 46.71% is less than max allowed 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting. Oldest tradeline in credit opened September 2007. |
| 305061763 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing initial CD 3/5/2026. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 782 exceeds required FICO of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 46.71% is less than max allowed 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting. Oldest tradeline in credit opened September 2007. |
| 305061763 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 3/5/2026. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 782 exceeds required FICO of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 46.71% is less than max allowed 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting. Oldest tradeline in credit opened September 2007. |
| 305062287 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A C B D | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | Per final CD dated 03/09/2026 reflect $0 monthly Estimated Taxes, Insurance & Assessments | 4.15.2026 - LOX and PCCD received | 4.15.2026 - Exception satisfied | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 score exceeds 680 minimum required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.74% CLTV with a max 85% allowed. |
| 305062287 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A C B D | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5741 | TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null | No | Per final CD dated 03/09/2026 reflect $0 monthly Estimated Taxes, Insurance & Assessments | 4.15.2026 - LOX and PCCD received | 4.15.2026 - Exception satisfied | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 score exceeds 680 minimum required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.74% CLTV with a max 85% allowed. |
| 305062287 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A C B D | N/A | N/A C B | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing VOM or mortgage rating. (No mortgage delinquency 0x30 in the last 24 months.) | 4/15/2026 Client provided satisfactory historical payment verification covering most recent 24 months. | 4/15/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 score exceeds 680 minimum required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.74% CLTV with a max 85% allowed. |
| 305062287 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A C B D | N/A | N/A C B | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing current pay stub supporting income of approx $8,900/mo | 4/15/2026 Client provided satisfactory verification of borrower income. | 4/15/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 score exceeds 680 minimum required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.74% CLTV with a max 85% allowed. |
| 305062287 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | N/A | N/A C B D | N/A | N/A C B | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing homeowners insurance policy. | 4/15/2026 Client provided satisfactory copy of policy. | 4/15/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 score exceeds 680 minimum required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.74% CLTV with a max 85% allowed. |
| 305062355 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Exception fired in error due to missing initial CD 2/27/2026 and any subsequent CDs 3/1/2026. | 3.27.2026 - Missing CDs received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 mid score > min required of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have57 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80.00% CLTV < max permitted of 90% |
| 305062355 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD. Please provide initial CD 2/27/2026 and any subsequent CDs 3/1/2026 per Change Of Circumstance disclosure in file. | 3.27.2026 - Missing CDs received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 mid score > min required of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have57 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80.00% CLTV < max permitted of 90% |
| 305062355 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing initial CD. Please provide initial CD 2/27/2026 and any subsequent CDs 3/1/2026 per Change Of Circumstance disclosure in file. | 3.27.2026 - Missing CDs received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 mid score > min required of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have57 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80.00% CLTV < max permitted of 90% |
| 305062355 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD. Please provide initial CD 2/27/2026 and any subsequent CDs 3/1/2026 per Change Of Circumstance disclosure in file. | 3.27.2026 - Missing CDs received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 mid score > min required of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have57 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80.00% CLTV < max permitted of 90% |
| 305062356 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 2/25/26 sequence 1. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25.99% is lower than max allowed 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per LES, B1 has been in the army since 6/30/2005.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since July 2014. |
| 305062356 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for LE 2/24/26. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25.99% is lower than max allowed 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per LES, B1 has been in the army since 6/30/2005.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since July 2014. |
| 305062356 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD 2/25/26 sequence 1. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25.99% is lower than max allowed 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per LES, B1 has been in the army since 6/30/2005.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since July 2014. |
| 305062356 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/25/26 sequence 1. | 3.30.2026 - ICD received. | 3.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25.99% is lower than max allowed 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per LES, B1 has been in the army since 6/30/2005.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since July 2014. |
| 305062367 | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.90% CLTV with a max 90% allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.48% DTI with a max 50% allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2017 per CR. |
| 305062380 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 3/2/26 confirmed received 3 days prior to consummation date. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.88% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.86% is below the guideline maximum of 50%. |
| 305062380 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/2/26 confirmed received 3 days prior to consummation date. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.88% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.86% is below the guideline maximum of 50%. |
| 305062380 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD 3/2/26 confirmed received 3 days prior to consummation date. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.88% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.86% is below the guideline maximum of 50%. |
| 305062380 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/2/26 confirmed received 3 days prior to consummation date. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.88% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.86% is below the guideline maximum of 50%. |
| 305062573 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Exception fired in error due to missing initial CD 2/26/2026 and subsequent CD 2/28/2026 per Change of Circumstance in file. Please provide. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisifed | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal balance noted on revolving accounts.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 778 exceeds minimum credit score of 720.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 for complete mortgage history on credit report starting December 2007. |
| 305062573 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD 2/26/2026 and subsequent CD 2/28/2026 per Change of Circumstance in file. Please provide. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal balance noted on revolving accounts.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 778 exceeds minimum credit score of 720.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 for complete mortgage history on credit report starting December 2007. |
| 305062573 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing initial CD 2/26/2026 and subsequent CD 2/28/2026 per Change of Circumstance in file. Please provide. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal balance noted on revolving accounts.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 778 exceeds minimum credit score of 720.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 for complete mortgage history on credit report starting December 2007. |
| 305062573 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 2/26/2026 and subsequent CD 2/28/2026 per Change of Circumstance in file. Please provide. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal balance noted on revolving accounts.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 778 exceeds minimum credit score of 720.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 for complete mortgage history on credit report starting December 2007. |
| 305062574 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 2/26/26 and 3/3/26 per the COC. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 19 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.52% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 mid score > min required of 680 |
| 305062574 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/26/26 per the COC. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 19 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.52% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 mid score > min required of 680 |
| 305062574 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/26/26 per the COC. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisifed | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 19 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.52% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 mid score > min required of 680 |
| 305062575 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 3/11/26 per COC in file. | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 score exceeds 720 minimum required.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2006 per CR. |
| 305062575 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/11/26 per COC in file. | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 score exceeds 720 minimum required.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2006 per CR. |
| 305062575 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/11/26 per COC in file. | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 score exceeds 720 minimum required.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2006 per CR. |
| 305062577 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD 2/27/2026 per change of circumstance in file. Please provide. | 4.16.2026 - Missing CD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 75.22%; guidelines allow 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 74 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 254 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower's DTI 45.04% is below guideline maximum 50%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.22% |
| 305062577 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Missing initial CD 2/27/2026 per change of circumstance in file. Please provide. | 4.16.2026 - Missing CD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 75.22%; guidelines allow 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 74 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 254 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower's DTI 45.04% is below guideline maximum 50%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.22% |
| 305062577 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 2/27/2026 per change of circumstance in file. Please provide. | 4.16.2026 - Missing CD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 75.22%; guidelines allow 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 74 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 254 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower's DTI 45.04% is below guideline maximum 50%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.22% |
| 305062580 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 2/16/26 per COC. | 3.24.2026 - Missing CDs provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 11 Years in Current Profession |
| 305062580 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/16/26 per COC. | 3.24.2026 - Missing CDs provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 11 Years in Current Profession |
| 305062580 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide CD's 2/16/26, 2/24/26, 2/25/26 per COC. | 3.24.2026 - Missing CDs provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 11 Years in Current Profession |
| 305062580 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/16/26 per COC. | 3.24.2026 - Missing CDs provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 11 Years in Current Profession |
| 305062597 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD2/26/26. Also missing CD 3/24-1, CD 3/24-2, and CD 3/24-3 | 4.23.2026 - Missing CDs received | 4.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84.85% CLTV < max permitted of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 mid score > min required of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.37% is below the guideline maximum of 50%. |
| 305062597 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/27/26 | 4.23.2026 - Missing CDs received | 4.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84.85% CLTV < max permitted of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 mid score > min required of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.37% is below the guideline maximum of 50%. |
| 305062597 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Initial LE 02/25/2026 APR Stated as 10.664%, Final CD: 03/25/2026APR Stated as 10.207%, difference of 0.259% exceeds tolerance of 0.125%. | 4.23.2026 - Missing CDs received | 4.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84.85% CLTV < max permitted of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 mid score > min required of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.37% is below the guideline maximum of 50%. |
| 305062597 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD 2/26/26 | 4.23.2026 - Missing CDs received | 4.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84.85% CLTV < max permitted of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 mid score > min required of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.37% is below the guideline maximum of 50%. |
| 305062598 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Need proof initial CD was received by borrower 3 days before consummation date of 3/11/2026. Missing 3/1/2026 Initial CD, 3/6/2026 CD in file. | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2012 per CR. |
| 305062598 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide the following missing CD's dated: 3/1, 3/6 & 3/7. | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2012 per CR. |
| 305062598 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide the following missing CD's dated: 3/1, 3/6 & 3/7. | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2012 per CR. |
| 305062598 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide the Initial CD dated 3/1. | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2012 per CR. |
| 305062603 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD 2/20/26 and 2/25/26 per the COC. | 4.1.2026 - Missing CDs and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 score exceeds 680 score at 75% CLTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.52% CLTV with a 90% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years at current residence. |
| 305062603 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 2/20/26 per the COC. | 4.1.2026 - Missing CDs and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 score exceeds 680 score at 75% CLTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.52% CLTV with a 90% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years at current residence. |
| 305062603 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 2/20/26 per the COC. | 4.1.2026 - Missing CDs and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 score exceeds 680 score at 75% CLTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.52% CLTV with a 90% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years at current residence. |
| 305062733 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowners counseling organizations not dated. Insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 score exceeds 720 minimum required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 18 years time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years 10 months at current residence. |
| 305062733 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Disbursement date of 2/23/26 is before end of statutory rescission period. | 4.9.2026 - Final ALTA provided with DD 2.24.2026. | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 score exceeds 720 minimum required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 18 years time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years 10 months at current residence. |
| 305062733 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date of 2/23/26 is before end of statutory rescission period. | 4.9.2026 - Final ALTA provided with DD 2.24.2026. | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 score exceeds 720 minimum required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 18 years time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years 10 months at current residence. |
| 305062733 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance fail for $1332.66 due to increased discount points on final CD 3/19/26. No documentation provided disclosing increase in fee. Please provide documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 4.13.2026 - Missing CD and COC provided | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 score exceeds 720 minimum required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 18 years time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years 10 months at current residence. |
| 305062738 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated 3/9/2026 and 3/11/2026 reflect $0 for Estimated Taxes, Insurance & Assessments in the Projected Payments section. For junior liens, disclosure of the first lien Taxes, Insurance & Assessments is required. | 4.2.2026- PCCD received | 4.2.2026 - Exception satisfied | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 697 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.58% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have56 months mortgage payment history 0x30. |
| 305062738 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated 3/9/2026 and 3/11/2026- Loan Disclosures- Escrow Account- Estimated Property Costs Over Year 1 reflect $0 | 4.2.2026- PCCD received | 4.2.2026 - Exception satisfied | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 697 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.58% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have56 months mortgage payment history 0x30. |
| 305062743 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Rebuttable Presumption | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.99% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 mid score > min required of 680 |
| 305063293 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | State Late Charges | Active B | CMPSLC1127 | Late Charge percentage exceeds regulatory limits | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.30% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.15% CLTV < max permitted of 90% |
| 305063293 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/23/2026 | 4.17.2026 - ICD received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.30% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.15% CLTV < max permitted of 90% |
| 305063293 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing initial CD 2/26/2026 and subsequent CDs 2/27/2026 3/1/2026 3/10/2026 and 3/21/2026 per the Change of Circumstance. | 4.17.2026 - ICD received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.30% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.15% CLTV < max permitted of 90% |
| 305063293 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 2/26/2026 and subsequent CDs 2/27/2026 3/1/2026 3/10/2026 and 3/21/2026. | 4.17.2026 - ICD received | 4.17.2026-Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.30% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.15% CLTV < max permitted of 90% |
| 305063313 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD dated 3/16/2026. | 4.21.2026 - ICD received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 46.37%; guidelines allow 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.95% DTI < maximum permitted of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 mid score > min required of 680 |
| 305063313 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD dated 3/16/2026 per the current change of Circumstance. Need proof initial CD was received by borrower 3 days before consummation date of 03/20/2026. | 4.21.2026 - ICD received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 46.37%; guidelines allow 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.95% DTI < maximum permitted of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 mid score > min required of 680 |
| 305063313 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD dated 3/16/2026. | 4.21.2026 - ICD received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 46.37%; guidelines allow 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.95% DTI < maximum permitted of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 mid score > min required of 680 |
| 305063314 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A B C | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowner's counseling organizations in file is not dated; insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Verified DTI is 45.29%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 75%. Approved CLTV is 65.13%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in residence over 26 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 44 years in their profession. |
| 305063314 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A B C | N/A | N/A B | Credit | Terms/Guidelines | Satisfied C A | CRDTER4238 | Business entity does not meet guidelines | No | Borrower is self-employed (>25% ownership) with XXXXXX, verified at 74% via CPA letter, the file is missing required business tax returns. A W-2 is in file for XXXXXX for 2025.Additionally, documentation is missing to calculate income for XXXXXX, which is reported as a loss on 1003. | 4/29/2026 Received CPA prepared 2025 business tax return | 4/29/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Verified DTI is 45.29%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 75%. Approved CLTV is 65.13%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in residence over 26 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 44 years in their profession. |
| 305063328 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations not dated to confirm provided w/in 3 days of application date of 2/25/26. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 695 mid score > min required of 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years 10 months time at current residence. |
| 305063334 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 3/2/26 per COC in file. | 4.9.2026 - ICD received | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 62.83%; guidelines allow 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been on the current job and in the same line of work for 13 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.29% DTI < maximum permitted of 50% |
| 305063334 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/2/26 per COC in file. | 4.9.2026 - ICD received | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 62.83%; guidelines allow 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been on the current job and in the same line of work for 13 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.29% DTI < maximum permitted of 50% |
| 305063334 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/2/26 per COC in file. | 4.9.2026 - ICD received | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 62.83%; guidelines allow 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been on the current job and in the same line of work for 13 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.29% DTI < maximum permitted of 50% |
| 305063337 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | COC 3/9/2026 final CD 03/09/2026 Missing initial CD | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.88% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 45.90% is below the guideline maximum of 50%. |
| 305063337 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | No initial CD in the file | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.88% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 45.90% is below the guideline maximum of 50%. |
| 305063338 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial LE in file is dated 02/25/2026. Missing LE's dated 02/19/2026 and 02/23/2026 per the Compliance Check, | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.09% CLTV with a max 80% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 score exceeds 700 required at 80% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.21% DTI with a 50% max allowed. |
| 305063338 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing CD's dated 02/27/2026 and 03/04/2026. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.09% CLTV with a max 80% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 score exceeds 700 required at 80% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.21% DTI with a 50% max allowed. |
| 305063338 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing CD's dated 02/27/2026 and 03/04/2026. Need proof initial CD was received by borrower 3 days before consummation date of 03/06/2026. | 4.1.2026 - Missing disclosures and COCs provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.09% CLTV with a max 80% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 score exceeds 700 required at 80% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.21% DTI with a 50% max allowed. |
| 305063342 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 21.83% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.90% is below the guideline maximum of 50%. |
| 305063530 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 750 exceeds min score requirement of 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 17 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 57 months. |
| 305063539 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 3/4/26 per COC in file. | 4.9.2026 - ICD received | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 19 years at current job.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have nine years at the current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 39.894%. |
| 305063539 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/4/26 per COC in file. | 4.9.2026 - ICD received | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 19 years at current job.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have nine years at the current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 39.894%. |
| 305063539 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/4/26 per COC in file. | 4.9.2026 - ICD received | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 19 years at current job.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have nine years at the current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 39.894%. |
| 305063540 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 2/27. Also missing CD 3/6 & CD 3/10 per Change of Circumstance disclosure in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.87% CLTV with guideline max 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.42% DTI with guideline max 50%. |
| 305063540 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD 2/27/2026. Need proof initial CD was received by borrower 3 days before consummation date of 3/14/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.87% CLTV with guideline max 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.42% DTI with guideline max 50%. |
| 305063540 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide the following missing CD's dated: 2/27, 3/6 & 3/10. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.87% CLTV with guideline max 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.42% DTI with guideline max 50%. |
| 305063540 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide the missing Initial CD dated 2/27/2026. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.87% CLTV with guideline max 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.42% DTI with guideline max 50%. |
| 305063592 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 62.17%; guidelines allow 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence. |
| 305063592 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD dated 03/11/2026. Need proof initial CD was received by borrower 3 days before consummation date of 03/18/2026 | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 62.17%; guidelines allow 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence. |
| 305063606 | XXXXXX | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | HOC in file is not dated. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 19.95% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.34% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 810 mid score > min required of 700 |
| 305063620 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 2/27/2026. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 from 2010 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.16% DTI with a max 50% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years 8 months at current residence. |
| 305063620 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD 2/27/2026. Need proof initial CD was received by borrower 3 days before consummation date of 3/12/2026 | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 from 2010 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.16% DTI with a max 50% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years 8 months at current residence. |
| 305063620 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing initial CD 2/27/2026. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 from 2010 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.16% DTI with a max 50% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years 8 months at current residence. |
| 305063620 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 2/27/2026. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 from 2010 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.16% DTI with a max 50% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years 8 months at current residence. |
| 305063689 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 22.64% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 88.08% CLTV < max permitted of 90% |
| 305063693 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been residing at current residence for 19 years 10 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the current line of work for 27 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690mid score > min required of 680 |
| 305063702 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Exception fired in error due to missing initial CD 3/2/2026 and subsequent CDs 3/5/2026 3/9/2026 3/11/2026 3/13/2026 per Change of Circumstance disclosure in file. Please provide. | 4.15.2026 - Missing CDs received | 4.15.2026-Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 25+ years on the job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borroer has 6 years at current residence. |
| 305063702 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD 3/2/2026 and subsequent CDs 3/5/2026 3/9/2026 3/11/2026 3/13/2026 per Change of Circumstance disclosure in file. Please provide. | 4.15.2026 - Missing CDs received | 4.15.2026-Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 25+ years on the job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borroer has 6 years at current residence. |
| 305063702 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 3/2/2026 and subsequent CDs 3/5/2026 3/9/2026 3/11/2026 3/13/2026 per Change of Circumstance disclosure in file. Please provide. | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 25+ years on the job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borroer has 6 years at current residence. |
| 305063759 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.27% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 46.30% is below the guideline maximum of 50%. |
| 305063777 | XXXXXX | XXXXXX | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 3/1/26 per COC in file. | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.70% CLTV with a max 75% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 years in profession. |
| 305063777 | XXXXXX | XXXXXX | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/1/26 per COC in file. | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.70% CLTV with a max 75% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 years in profession. |
| 305063777 | XXXXXX | XXXXXX | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/1/26 per COC in file. | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.70% CLTV with a max 75% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 9 years in profession. |
| 305063782 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.88% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 mid score > min required of 680 |
| 305063812 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 4.9.2026 - ICD received | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.69% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.16% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 mid score > min required of 700 |
| 305063812 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD dated 03/03/2026. Need proof initial CD was received by borrower 3 days before consummation date of 03/13/2026 | 4.9.2026 - ICD received | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.69% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.16% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 mid score > min required of 700 |
| 305063813 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.21% CLTV exceeds 85% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 score exceeds the 700 minimum required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 39 years at current residence. |
| 305063842 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 691 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.00% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.36% CLTV < max permitted of 75% |
| 305063848 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.64% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.75% CLTV < max permitted of 90% |
| 305063848 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing CD's dated 03/03/2026, 03/05/2026, and 03/10/2026. Need proof initial CD was received by borrower 3 days before consummation date of 03/13/2026 | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.64% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.75% CLTV < max permitted of 90% |
| 305063850 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 3/5/26 and 3/6/26 per the COC in file. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 40.718%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has ten years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 28 years in current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 71%. |
| 305063850 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/6/26 per COC in file. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 40.718%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has ten years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 28 years in current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 71%. |
| 305063850 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide CD's 3/5/26 and 3/6/26 per the COC in file. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 40.718%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has ten years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 28 years in current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 71%. |
| 305063850 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/6/26 per COC in file. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 40.718%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has ten years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 28 years in current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 71%. |
| 305063851 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD | 4.13.2026 - Remedy comment states please see attached consummation lox for previous suspense item - No attachment please reupload.4.21.2026 - Missing CDs received | 4.13.2026 - Exception remains4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 773 exceeds required FICO of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 on credit report since November 2015.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 79.13% is less than max allowed 90%. |
| 305063851 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/17/2026 | 4.13.2026 - Remedy comment states please see attached consummation lox for previous suspense item - No attachment please reupload.4.21.2026 - Missing CDs received | 4.13.2026 - Exception remains4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 773 exceeds required FICO of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 on credit report since November 2015.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 79.13% is less than max allowed 90%. |
| 305063851 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3 days prior to consummation date. | 4.13.2026 - Remedy comment states please see attached consummation lox for previous suspense item - No attachment please reupload.4.21.2026 - Missing CDs received | 4.13.2026 - Exception remains4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 773 exceeds required FICO of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 on credit report since November 2015.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 79.13% is less than max allowed 90%. |
| 305063854 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.84% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.31% is below the guideline maximum of 50%. |
| 305064028 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A C D | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance fail for $13.92. Discount point increased from $966.00 on final LE 3/2/26 to $979.92 on final CD 3/9/26. No coc provided disclosing increase in fee. Please provide either COC or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 4.6.2026 - Missing COC and CD provided | 4.6.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $195,445.84 > min required reserves of $0<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x43 months exceeds max allowed 0x30x12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 734 is above the required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.89% is below the maximum allowable of 90%. |
| 305064028 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A C D | N/A | N/A C | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing copy of front and back of either unexpired Employment Auth Document (EAD), or unexpired Visa with Classification allowed in guidelines, page 6, or a valid passport, letter from employer/sponsor and I-94 proving work authorization. | 4/1/2026 Received copy of active I797-A sponsored by employer. | 4/1/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $195,445.84 > min required reserves of $0<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x43 months exceeds max allowed 0x30x12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 734 is above the required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.89% is below the maximum allowable of 90%. |
| 305064089 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Exception fired in error due to missing initial CD 2/28/26 per change of circumstance in file. Not disclosed at least 3 business days prior to closing. Please provide. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 30.97% is lower than max DTI allowed 50%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE and LES, B2 has been with current employer since 7/23/06.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 80.19% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 743 exceeds required FICO of 700.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 7/29/96. |
| 305064089 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD 2/28/2026 missing per change of circumstance in file. Please provide. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 30.97% is lower than max DTI allowed 50%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE and LES, B2 has been with current employer since 7/23/06.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 80.19% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 743 exceeds required FICO of 700.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 7/29/96. |
| 305064089 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Initial CD 2/28/2026 missing per change of circumstance in file. Please provide. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 30.97% is lower than max DTI allowed 50%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per VVOE and LES, B2 has been with current employer since 7/23/06.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 80.19% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 743 exceeds required FICO of 700.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 7/29/96. |
| 305064092 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower minimum 3 days prior to 3/16/2026 closing due to missing borrower receipt of Initial CD issued 3/04/2026, revised CD 03/12/2026-1, and revised CD 03/12/2026-2. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 34.92%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.91% DTI < maximum permitted of 50% |
| 305064092 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof initial CD issued 3/04/2026, revised CD issued 3/12/2026-1, and revised CD issued 3/12/2026-2 were received by borrower 3 days before consummation date 03/16/2026. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 34.92%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.91% DTI < maximum permitted of 50% |
| 305064094 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 68.98% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 735 exceeds required FICO of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 6/10/14. |
| 305064095 | XXXXXX | XXXXXX | XXXXXX | MA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.51% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.82% CLTV < max permitted of 75% |
| 305064119 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 31 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 31+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 72.04%; guidelines allow 90%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 224 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 125 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.00% |
| 305064238 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD | 4.16.2026 - ICD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in subject residence for nearly 19 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been employed with same company for more than 9 years. |
| 305064238 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/27/2026 | 4.16.2026 - ICD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in subject residence for nearly 19 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been employed with same company for more than 9 years. |
| 305064238 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD. | 4.16.2026 - ICD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in subject residence for nearly 19 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been employed with same company for more than 9 years. |
| 305064249 | XXXXXX | XXXXXX | XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/13/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.36% DTI with a max 50% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years in profession. |
| 305064249 | XXXXXX | XXXXXX | XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 3/5/26 and subsequent CD 3/9/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.36% DTI with a max 50% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years in profession. |
| 305064251 | XXXXXX | XXXXXX | XXXXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 81.22% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.34% is below the guideline maximum of 50%. |
| 305064341 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Home Owners Counseling form provided in file is not dated. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| 305064342 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since December 2020.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit. Earliest account reporting dated May 2011.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Transaction pays off monthly payments totaling $1502. New mortgage monthly payment is $496.84. Savings are $1,005.16/mo. |
| 305064417 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | Homeowner's Counseling Organization disclosure in file is not dated. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years 3 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 score exceeds 680 minimum required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.74% DTI with a max 50% allowed. |
| 305064621 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | RESPA | Satisfied B A | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowners counseling organizations is not dated. Insufficient information to confirm timely delivery. | 4.3.2026 - Disc tracking provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 has been with current employer since 6/20/19.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Back-end DTI of 23.71% is lower than max allowed 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 70% is less than max allowed 75%. |
| 305064621 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure missing | 4.3.2026 - AFB received | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 has been with current employer since 6/20/19.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Back-end DTI of 23.71% is lower than max allowed 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 70% is less than max allowed 75%. |
| 305064621 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Disbursement date of 3/24/26 is before end of statutory rescission period date. | 4.3.2026 - Evidence of DD 3.25.2026 received | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 has been with current employer since 6/20/19.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Back-end DTI of 23.71% is lower than max allowed 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 70% is less than max allowed 75%. |
| 305064621 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date of 3/24/26 is before end of statutory rescission period date. | 4.3.2026 - Evidence of DD 3.25.2026 received | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 has been with current employer since 6/20/19.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Back-end DTI of 23.71% is lower than max allowed 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 70% is less than max allowed 75%. |
| 305064621 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing evidence of lenders initial ATR/QM determination. | 4/3/2026 Received lender ATR/QM status verifying Safe Harbor (APOR). | 4/3/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 has been with current employer since 6/20/19.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Back-end DTI of 23.71% is lower than max allowed 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 70% is less than max allowed 75%. |
| 305064625 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 3/3/26 and 3/6/26 per the COC in file. | 4.15.2026 - ICD received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years time in profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.92% CLTV with a max 85% allowed. |
| 305064625 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/3/26 per the COC in file. | 4.15.2026 - ICD received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years time in profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.92% CLTV with a max 85% allowed. |
| 305064625 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/3/26 per the COC in file. | 4.15.2026 - ICD received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years time in profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.92% CLTV with a max 85% allowed. |
| 305064635 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.57% CLTV < max permitted of 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.70% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 mid score > min required of 680 |
| 305064642 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.72% DTI with a 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 40.34% CLTV with an 85% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 29 years at current residence. |
| 305064772 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Exception fired in error due to missing initial CD 3/6/2026 per Change in Circumstance disclosure in file. Please provide. | 4.9.2026 - ICD received | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 6/2/2009.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 63.53% is less than max allowed 75%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: B1 does not carry balances on any revolving accounts. |
| 305064772 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD 3/6/2026 per Change in Circumstance disclosure in file. Please provide. | 4.9.2026 - ICD received | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 6/2/2009.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 63.53% is less than max allowed 75%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: B1 does not carry balances on any revolving accounts. |
| 305064772 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 3/6/2026 per Change in Circumstance disclosure in file. Please provide. | 4.9.2026 - ICD received | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 6/2/2009.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 63.53% is less than max allowed 75%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: B1 does not carry balances on any revolving accounts. |
| 305064774 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 26 years with current employer.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.36% is below Guidelines 50% maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 753 exceeds 680 minimum for up to 75% CLTV, primary residence. |
| 305064801 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Please provide List of homeowners counseling organizations dated within 3 days of initial application date 3/2/26. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 17 years 6 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.84% DTI with a max 50% allowed. |
| 305064891 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.98% DTI < maximum permitted of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 7 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B2 has been at the current residence for 46 years and 2 months. |
| 305064956 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 3/5/26 and 3/10/26 per COC in file. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at the subject residence for 28 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI of around 16.5% is less than the max allowed of 50%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has worked with the same company for over 31 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers credit score of 803 exceeds min requirement of 700. |
| 305064956 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/5/26 per COC in file. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at the subject residence for 28 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI of around 16.5% is less than the max allowed of 50%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has worked with the same company for over 31 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers credit score of 803 exceeds min requirement of 700. |
| 305064956 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/5/26 per COC in file. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisifed | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at the subject residence for 28 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI of around 16.5% is less than the max allowed of 50%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has worked with the same company for over 31 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers credit score of 803 exceeds min requirement of 700. |
| 305064959 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | '- Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/5/2026 | 4.13.2026 - Missing CDs provided | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 21.41% is below guideline maximum 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 389 months mortgage payment history 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 27 years at primary residence<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 389 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 mid score > min required of 680 |
| 305064959 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD 3/5/2026. Need proof initial CD was received by borrower 3 days before consummation date of 3/16/2026 | 4.13.2026 - Missing CDs provided | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 21.41% is below guideline maximum 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 389 months mortgage payment history 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 27 years at primary residence<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 389 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 mid score > min required of 680 |
| 305064959 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | 4.13.2026 - Missing CDs providedMissing Initial CD sent on 03/05. | 4.13.2026 - Missing CDs provided | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 21.41% is below guideline maximum 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 389 months mortgage payment history 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 27 years at primary residence<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 389 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 mid score > min required of 680 |
| 305064961 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing initial CD 3/4/26. | 4.9.2026 - ICD received | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.77% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.97% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 680 |
| 305064961 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 3/4/26. | 4.9.2026 - ICD received | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.77% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.97% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 680 |
| 305064961 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 3/4/26. | 4.9.2026 - ICD received | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.77% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.97% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 680 |
| 305065030 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 3/9/26 per COC in file. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 51 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.34 below 90 max |
| 305065030 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/9/26 per COC in file. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 51 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.34 below 90 max |
| 305065030 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/9/26 per COC in file. | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 51 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.34 below 90 max |
| 305065262 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have56 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.54% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 mid score > min required of 680 |
| 305065521 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 18 years with present employer<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 19+ years with present employer |
| 305065522 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Home Owners Counceling Disclosure in file is not dated. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.68% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80.00% CLTV < max permitted of 90% |
| 305065534 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 score exceeds 740 minimum required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.96% CLTV with a max 90% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 years time in profession. |
| 305065625 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Expiration date on form (3/20/2026) is dated prior to end of rescission period03/26/2026. | 4.13.2026 - LOX and New NORTCS and proof of delivery received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.21% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.23% is below the guideline maximum of 50%. |
| 305065625 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date (3/23/2026) is before the end of the statutory rescission period 3/26/2026. | 4.13.2026 - LOX and New NORTCS and proof of delivery received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.21% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.23% is below the guideline maximum of 50%. |
| 305065885 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/5. | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 60.23%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.03% DTI < maximum permitted of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 mid score > min required of 680 |
| 305065885 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD 3/5. Need proof initial CD was received by borrower 3 days before consummation date. | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 60.23%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.03% DTI < maximum permitted of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 mid score > min required of 680 |
| 305065885 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing Initial CD dated 3/5. | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 60.23%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.03% DTI < maximum permitted of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 mid score > min required of 680 |
| 305065885 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD dated 3/5. | 4.15.2026 - Missing CDs received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 60.23%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.03% DTI < maximum permitted of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 mid score > min required of 680 |
| 305065887 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued 3/5/26 per COC in file. | 4.14.2026 - ICD received | 4.14.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years at subject property<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 FICO exceeds minimum 720<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 45 months |
| 305065887 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued 3/5/26 per COC in file. | 4.14.2026 - ICD received | 4.14.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years at subject property<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 FICO exceeds minimum 720<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 45 months |
| 305065887 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD issued 3/5/26 per COC in file. | 4.14.2026 - ICD received | 4.14.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years at subject property<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 FICO exceeds minimum 720<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 45 months |
| 305065896 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 774/minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 38.23%/maximum 50% |
| 305066283 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.56% CLTV < max permitted of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have53 months mortgage payment history 0x30. |
| 305066287 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/5. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 72.06% is less than max allowed 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per Secretary of State business license seach0, B1 has been a self-employed realtor since 1/27/1998.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 720 exceeds required FICO of 680. |
| 305066287 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD 3/5/2026. Need proof initial CD was received by borrower 3 days before consummation date of xx/xx/xxxx | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 72.06% is less than max allowed 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per Secretary of State business license seach0, B1 has been a self-employed realtor since 1/27/1998.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 720 exceeds required FICO of 680. |
| 305066287 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Mmissing Initial CD dated 3/5. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 72.06% is less than max allowed 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per Secretary of State business license seach0, B1 has been a self-employed realtor since 1/27/1998.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 720 exceeds required FICO of 680. |
| 305066289 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | '- Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/5/2026 | 4.16.2026 - Missing CD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.58% LTV, Guidelines allow 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current residence. |
| 305066289 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/20/2026 | 4.16.2026 - Missing CD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.58% LTV, Guidelines allow 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current residence. |
| 305066289 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD dated 3/5. | 4.16.2026 - Missing CD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.58% LTV, Guidelines allow 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current residence. |
| 305066290 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/16/2026. | 4.17.2026 - ICD received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 21.73% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.43%; guidelines allow 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 28+ years at present job<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 28 years. |
| 305066290 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/19/2026 | 4.17.2026 - ICD received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 21.73% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.43%; guidelines allow 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 28+ years at present job<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 28 years. |
| 305066290 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD 3/16/2026 | 4.17.2026 - ICD received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 21.73% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.43%; guidelines allow 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 28+ years at present job<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 28 years. |
| 305066291 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | Documentation | Satisfied D A | CMPDOC3268 | Note in file is incomplete | No | Please provide executed Note at closing. | 4.15.2026 - The issue we are missing a copy of the Note all together. Please provide all pages to the Note.4.24.2026 - Note provided | 4.15.2026 - Exception remains4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.09% CLTV with a 75% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years 6 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years time in profession. |
| 305066291 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | Right of Rescission | Satisfied B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Please provide missing Right of Rescission executed at closing. | 4.8.2026- ROR provided | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.09% CLTV with a 75% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years 6 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years time in profession. |
| 305066291 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | Right of Rescission | Satisfied D A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Please provide missing Right of Rescission executed at closing. | 4.8.2026 - ROR provided | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.09% CLTV with a 75% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years 6 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years time in profession. |
| 305066291 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD in file | 4.8.2026 - Missing CDs received | 4.8.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.09% CLTV with a 75% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years 6 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years time in profession. |
| 305066291 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Credit | Legal Documents | Satisfied D A | CRDLGL2862 | Copy of Note in file is incomplete | No | Please provide executed Note at closing. | 4.15.2026 - The issue we are missing a copy of the Note all together. Please provide all pages to the Note.4.24.2026 - Note provided | 4.15.2026 - Exception remains4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.09% CLTV with a 75% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years 6 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 13 years time in profession. |
| 305066672 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have40 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.63% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 mid score > min required of 680 |
| 305066742 | XXXXXX | XXXXXX | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 mortgage history since March 2019.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 32.08% is lower than max DTI allowed 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates reporting on credit report. Oldest tradeline reporting opened August 2013. |
| 305066794 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 3/6/26 and 3/9/26 per COC in file. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 10/12/16.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 34% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 793 exceeds required FICO of 680. |
| 305066794 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued 3/6/26 per COC in file. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 10/12/16.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 34% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 793 exceeds required FICO of 680. |
| 305066794 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide CD's 3/6/26 and 3/9/26 per COC in file. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 10/12/16.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 34% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 793 exceeds required FICO of 680. |
| 305066794 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance fail for $115.56. Verification of employment fee added on CD 3/10/26. COC provided does not disclose addition of fee. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 10/12/16.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 34% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 793 exceeds required FICO of 680. |
| 305066794 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation. | No | 10% tolerance fail for $38.00. Recording fees increased on final CD 3/10/26. COC in file does not disclose increase in fee. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 10/12/16.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 34% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 793 exceeds required FICO of 680. |
| 305066794 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial 3/6/2026 CD. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 10/12/16.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 34% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 793 exceeds required FICO of 680. |
| 305066795 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/10/2026 per the Change of Circumstance | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.48% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.23% is below the guideline maximum of 50%. |
| 305066795 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/18/2026 | 4.13.2026 - ICD received | 4.13.026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.48% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.23% is below the guideline maximum of 50%. |
| 305066795 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD 3/10/2026 | 4.13.2026 - ICD received | 4.13.26 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.48% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.23% is below the guideline maximum of 50%. |
| 305066806 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 90%; guidelines allow 69.24%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.32% DTI < maximum permitted of 50% |
| 305067097 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 3/6/26 and 3/9/26 per COC in file. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 10 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 746 exceeds 700 minimum required for up to 85% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.50% is below Guidelines 50% maximum. |
| 305067097 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/6/26 per COC in file. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 10 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 746 exceeds 700 minimum required for up to 85% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.50% is below Guidelines 50% maximum. |
| 305067097 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/6/26 per COC in file. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 10 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 746 exceeds 700 minimum required for up to 85% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.50% is below Guidelines 50% maximum. |
| 305067098 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 2/21/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has over 18 years at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.84% is below the maximum allowable of 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x30 months exceeds max allowed 1x30x24 months. |
| 305067098 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/21/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has over 18 years at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.84% is below the maximum allowable of 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x30 months exceeds max allowed 1x30x24 months. |
| 305067098 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing the initial CD 2/21/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has over 18 years at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.84% is below the maximum allowable of 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x30 months exceeds max allowed 1x30x24 months. |
| 305067098 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing the initial CD 2/21/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has over 18 years at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.84% is below the maximum allowable of 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x30 months exceeds max allowed 1x30x24 months. |
| 305067126 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowner's counseling organizations is not dated. Insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.49% DTI with a max 50% allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.04% CLTV with a max 90% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 score exceeds the 720 minimum required. |
| 305067137 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 3/8/26 per COC in file. | 4.24.2026 - Missing CD received | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.24% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 35.74% CLTV < max permitted of 90% |
| 305067137 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/8/26 per COC in file. | 4.24.2026 - Missing CD received | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.24% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 35.74% CLTV < max permitted of 90% |
| 305067137 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD 3/8/26 per COC in file. | 4.24.2026 - Missing CD received | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.24% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 35.74% CLTV < max permitted of 90% |
| 305067137 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/8/26 per COC in file. | 4.24.2026 - Missing CD received | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.24% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 35.74% CLTV < max permitted of 90% |
| 305067139 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/19/2026 | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years 6 months time at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2016 per CR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.74% CLTV with a max 85% allowed. |
| 305067139 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/23/2026 | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years 6 months time at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2016 per CR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.74% CLTV with a max 85% allowed. |
| 305067454 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/6/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.96% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.94% is below the guideline maximum of 50%. |
| 305067454 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/14/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.96% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.94% is below the guideline maximum of 50%. |
| 305067454 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD disclosed 03/06. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.96% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.94% is below the guideline maximum of 50%. |
| 305067493 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.18% DTI with a 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 54.62% CLTV with a max 85% allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2020 per CR. |
| 305067610 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing CD's dated 3/9/2026 and 3/10/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 762 exceeds required FICO of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 83.46% is less than max allowed 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 34.91 is lower than max DTI allowed of 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened 7/1996. |
| 305067610 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing CD's dated 03/9/2026 and 3/10/2026 per the current change of Circumstance. Need proof initial CD was received by borrower 3 days before consummation date of 03/20/2026. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 762 exceeds required FICO of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 83.46% is less than max allowed 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 34.91 is lower than max DTI allowed of 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened 7/1996. |
| 305067610 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD 3/9/2026 in the file | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 762 exceeds required FICO of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 83.46% is less than max allowed 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 34.91 is lower than max DTI allowed of 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened 7/1996. |
| 305067612 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/12. Also missing CD 3/19, CD 3/20, CD 3/21 and CD 3/24 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.64% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.98% CLTV < max permitted of 90% |
| 305067612 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/25/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.64% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.98% CLTV < max permitted of 90% |
| 305067612 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD disclosed 03/12. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.64% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.98% CLTV < max permitted of 90% |
| 305067959 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowner's counseling organizations provided is not dated. Insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 19.68% CLTV < max permitted of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 699 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.21% is below the guideline maximum of 50%. |
| 305067965 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowners counseling organizations not dated. Insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.65% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.13% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 mid score > min required of 700 |
| 305067965 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Texas Home Equity | Active B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.65% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.13% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 mid score > min required of 700 |
| 305067965 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Texas Home Equity | Active B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.65% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.13% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 mid score > min required of 700 |
| 305067965 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for LE 3/19/26. | 4.22.2026 Lender provided confirmation of LE 3/19/2026 Delivered and Received. | 4.22.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.65% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.13% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 mid score > min required of 700 |
| 305068177 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/12/2026. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 69.56% is less than max allowed 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 has been with current employer since 4/3/2010.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: 2nd mortgage pays off 4 tradelines with a total of $2,157 monthly payments. New mortgage PI is $1,351.77. |
| 305068177 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/19/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 69.56% is less than max allowed 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 has been with current employer since 4/3/2010.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: 2nd mortgage pays off 4 tradelines with a total of $2,157 monthly payments. New mortgage PI is $1,351.77. |
| 305068177 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide the missing Initial CD dated 3/12. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 69.56% is less than max allowed 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 has been with current employer since 4/3/2010.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: 2nd mortgage pays off 4 tradelines with a total of $2,157 monthly payments. New mortgage PI is $1,351.77. |
| 305068177 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Shellpoint Mortgage 8382 last paid per credit report was 1/26. No mortgage statement in file. Application date is 3/6/26. Per guidelines, max permitted is 1x30 x24 months. | 5/11/2026 Received copy of 1st lien statements with due dates 3/1/206 and 4/1/26. Supports the 1/2026 payment was for payment due 2/1/2026 confirming account current and 0x30 pay history. | 5/11/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 69.56% is less than max allowed 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 has been with current employer since 4/3/2010.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: 2nd mortgage pays off 4 tradelines with a total of $2,157 monthly payments. New mortgage PI is $1,351.77. |
| 305068179 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.23% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 37.43% CLTV < max permitted of 90% |
| 305068179 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 03/23/2026. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.23% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 37.43% CLTV < max permitted of 90% |
| 305068179 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing Initial CD 3/12/2026 | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.23% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 37.43% CLTV < max permitted of 90% |
| 305068182 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, B1 has been with current employer since 1/22/2018.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit. Oldest tradeline is from 2008.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 726 exceeds required FICO of 700. |
| 305068201 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that the XXXXXX HELOC has been paid and closed to future draws | 4/1/2026 Received signed HELOC close-out letter. | 4/2/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 27 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 6 Open accounts - Minimal use of credit<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.18% DTI below guideline requirement of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 16.46% LTV/ 60.37% CLTV,LTV belowguideline requirements of 70% per program |
| 305068202 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 29 years at primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 33+ years at present job<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 50 months mortgage payment history 0x30 |
| 305068203 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.20% CLTV with a 70% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.49% DTI with a max 50% allowed. |
| 305068204 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A C D | A | A C | Compliance | Federal Consumer Protection | Satisfied C A | CMPFDCP3206 | NMLS License verification found Loan Originator Name does not match ID | No | Loan Originator name mismatch noted. Loan application reflects XXXXXX, while NMLS records reflect XXXXXX. | 4/2/2026 Received updated NMLS. Name variance added as AKA. | 4/3/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 mid score > min required of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20+ years at present job |
| 305068204 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A C D | A | A C | Credit | Income/Employment | Satisfied D A | CRDINC152 | Missing verbal VOE required by guidelines | No | Missing Verbal Verification of Employment for Borrower. | 4/2/2026 Received satisfactory verbal VOE | 4/2/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 mid score > min required of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20+ years at present job |
| 305068205 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 150 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 771 > min required score of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 49 months > max permitted of 0 X 30 X 24 months. |
| 305068207 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have42 months mortgage payment history 0x30.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 8 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 640. |
| 305068209 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.52% DTI < max permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 676 exceeds the guideline program minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 10.34% LTV /34.17 CLTV below guideline requirements of 70% per program. |
| 305068210 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 20 years time in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 803 score exceeds the 680 minimum required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years time in residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.29% CLTV with a max 90% allowed. |
| 305068211 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing documentation related to citizenship/residency. | 3/30/2026 Received valid unexpired I797-A supporting eligible residency. | 3/20/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.71% is below the guideline minimum of 50%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 4.38%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 800 is 120 points above minimum program requirement of 680. |
| 305068212 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 54.96%; guidelines allow 90%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 7.93%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 82 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 39.97% is below guideline maximum 50<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 29+ years at primary residence<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 799 mid score > min required of 680 |
| 305068213 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.13% is below maximum of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 34 years with current employer.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 765 exceeds minimum of 680 |
| 305068214 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 689 fico score exceeds guidelines 640 |
| 305068215 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 20 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 28.35% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 mid score exceeds min required of 6660 for up to 70% CLTV. |
| 305068216 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Federal Consumer Protection | Active B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | NMLS does not list as XXXXXX but as XXXXXX. Can tie the LO name to the NMLS search. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 mid score > min required of 640.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 42.70% is below guideline maximum 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at primary residence. |
| 305068217 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 71 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 787 > min required score of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 165 months > max permitted of 0 X 30 X 12 months. |
| 305068218 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 mid score exceeds min required of 660 for up to 70% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 41.08% is below guideline maximum 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at primary residence<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines at 2.03% |
| 305068219 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum CLTV 90%, subject's CLTV is 84.74%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has a 70 month satisfactory mortgage rating<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 640, borrower's credit score is 740 |
| 305068220 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 35 years at current residence.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No mortgage lates on credit report.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 22.15 is below max of 90%. |
| 305068221 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2442 | Incorrect ROR Form Used - H8 for refi with same lender, 3rd Circuit state (has held H8 to be defective) | No | The property securing this loan is in the 3rd Circuit. In 1992 the U.S. Court of Appeals, 3rd Circuit held that the use of an H-8 rescission form in a same-creditor refinance provides insufficient notice and extends the right to rescind. This decision has not been overturned | 4.16.2026 - correct version of ROR provided however still missing LOX, corrected CD and Proof of delivery.4.21.2026 - proof of delivery and LOX received | 4.16.2026 - Exception remains4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 24.07%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have72 months mortgage payment history 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18+ years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 28.095 CLTV 68.521%; guidelines allow 90%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 270 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 mid score > min required of 680 |
| 305068222 | XXXXXX | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | A | A B D | A | A B | Compliance | TILA | Active B | CMPTILA4787 | TILA - Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. | No | Missing Business Purpose Cert Disclosure. | 3/26/2026 Lender provided copy of Affiliated Business Arrangement Disclosure. This is insufficient to satisfy the exception as it pertains to the business relationship the lender has with other providers/vendors. Verification of the borrowers intended purpose for proceeds is required. 3.27.2026 - Still missing Business Purpose affidavit or Cash out letter from borrower reflecting business use of funds. | 3/27/2026 Exception remains. 3.27.2026 - Exception remains | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score > min required of 640<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has additional income reflected on Schedule C of tax returns not used to qualify.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 23.09% |
| 305068222 | XXXXXX | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | A | A B D | A | A B | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Year is not legible on W2 provided for current employer. Prior year W2 required per guidelines. | 3/26/2026 Lender provided legible 2025 W2 | 3/27/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score > min required of 640<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has additional income reflected on Schedule C of tax returns not used to qualify.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 23.09% |
| 305068222 | XXXXXX | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | A | A B D | A | A B | Credit | Insurance | Satisfied D A | CRDINSR5081 | Insurance Policy missing required endorsements | No | Subject property hazard policy provided is not legible. | 3/26/2026 Lender provided legible copy of homeowners policy | 3/27/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score > min required of 640<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has additional income reflected on Schedule C of tax returns not used to qualify.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 23.09% |
| 305068223 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. The LTV on this Loan is substantially lower than the max at 58.030%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has over 9 years with current employer.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum Credit Score is 640. Borrower's Representative Score is 729. |
| 305068224 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.40% DTI below guideline requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 711 exceeds the guideline program minimum of 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 14 years. |
| 305068225 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 674 exceeds minimum required of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30,0x60.,0x90 with 48 months reviewed. Guidelines require 0x30 in last 12 and no more than 1x30 in last 24 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.72% is below Guideline 50% maximum. |
| 305068226 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 12 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score 782 exceeds guideline minimum of 640 for up to 60% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 44.25 is below guideline maximum of 50% |
| 305068227 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years and 0 months in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 640. File credit score 773.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 12 years and 0 months in current profession |
| 305068228 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.12% DTI below guideline requirement of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 26 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 716 exceeds the guideline program minimum of 680. |
| 305068230 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10 years at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.56% is below max LTV of 90%. |
| 305068231 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 48 months.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 7 months mortgage payment history 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10+ years at current residence |
| 305068232 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid score > min required of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 65.775%; guidelines allow 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 28 years. |
| 305068233 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 29.21% is below guideline maximum 50%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.78%; guidelines allow 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 489 months. |
| 305068234 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 7.93%; guidelines allow 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have53 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 mid score > min required of 680. |
| 305068235 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Municipal Consumer Protection | Satisfied B A | CMPMUCP1465 | Providence - Prohibited Acts of Lenders & Loan Brokers Disc (Home Loan), not signed by Borr | No | Provide Lenders and Loan Brokers Disclosure signed by borrower at or prior to closing (Home Loan), | 4.1.2026 - Signed disclosure provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 10 years with current employer<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8 years with current employer<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 fico exceeds minimum 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years current residence |
| 305068235 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | State Consumer Protection | Satisfied C A | CMPSTCP1299 | RI Home Loan-Prohibited Acts of Lenders & Loan Brokers Disc (Home Loan), Not Signed by Borr. | No | Provide borrower-signed Prohibited Acts of Lenders and Loan Brokers Disclosure. | 4.1.2026 - Signed disclosure provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 10 years with current employer<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8 years with current employer<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 fico exceeds minimum 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years current residence |
| 305068235 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP1311 | RI Home Loan-Prohibited Acts of Lenders & Loan Brokers Disc (High Cost), Not Signed by Borr | No | Provide borrower-signed Prohibited Acts of Lenders and Loan Brokers Disclosure. | 4.1.2026 - Signed disclosure provided | 4.1.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 10 years with current employer<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8 years with current employer<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 fico exceeds minimum 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years current residence |
| 305068236 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 64.26. Max 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 706. Minimum score required 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $8,169.74 or 5.4 months PITI reserves .No assets or reserves are required |
| 305068237 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance fee for state transfer tax increased by $9.00 without a change of circumstance from LE 2/18/2026 to CD 2/25/2026. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 4.3.2026 - Missing disclosures provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9+ years at present job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years at primary residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 29.24% is below guideline maximum 50%. |
| 305068238 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Federal Consumer Protection | Active B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | Loan documents omit middle name; NMLS includes. Exception is non-material 2B | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years at primary residence<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 22.23%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 21.48% is below guideline maximum 50%. |
| 305068239 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 9.55%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 41.22% is below guideline maximum 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 54 months. |
| 305068240 | XXXXXX | XXXXXX | XXXXXX | NE | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 X 55 months exceeds 0x30 in last 12 mos. and no more than 1x30 in last 24 mos.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 14 years in same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 735 > min required score of 680. |
| 305068241 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing lender's ATR/QM worksheet. (Mavent) | 3.30.26 ATR/QM designation provided. | 3.30.26 exception satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 19%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 mid score > min required of 640<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have41 months mortgage payment history 0x30. |
| 305068242 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 700 mid score > min required of 640<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at primary residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 31 months mortgage payment history 0x30 |
| 305068243 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 682 mid score > min required of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.20% CLTV < max permitted of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have51 months mortgage payment history 0x30. |
| 305068244 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 28.41% is below guideline maximum 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 13 years and 8 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 774 exceeds the guideline program minimum of 680.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 13 years. |
| 305068245 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 31 years 7 months in current home<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 771 exceeds 640 minimum required for up to 60% CLTV.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30;0x60;0x90with 37 months reviewed on current mortgage. |
| 305068246 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of 02/28/2026. | 4.2.2026 - Please clarify what it is you are looking for. CD is signed and dated 2/28. Loan disbursed on 3/5. Initial CD is dated 2/23 and tracking log sent with file shows borrower received it. Please provide tracking log it was not provided in the original package.4.6.2026 - Disclosure tracking provided | 4.2.2026 - Exception remains4.6.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 701 FICO score. Minimum required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: DTI of 44.58% is below max DTI of 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 84 months reviewed reporting 0 late payments. |
| 305068247 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have44 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 19+ years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 9.254 CLTV 45.961%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 696 mid score > min required of 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25+ years at current residence |
| 305068248 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 289 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have122 months mortgage payment history 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 35+ years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 mid score > min required of 640 |
| 305068249 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.67% DTI below guideline requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 746 exceeds the guideline program minimum of 680. |
| 305068250 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 712 exceeds min score requirement of 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 22 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 61.33% / Max LTV 90%. |
| 305068251 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.44%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 62.68%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score > min required of 640 |
| 305068252 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at subject property for 32 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 credit score exceeds program minimum of 680 for up to 90% CLTV.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history of 0 x 30 out of 31 months reviewed, guidelines require 0x30 in past 12 months and no more than 1x30 in past 24 months. |
| 305068253 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 43.65% is below guideline maximum 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 mid score > min required of 640 |
| 305068254 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 11.442 is below max 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 27 years at current residence.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No mortgage lates on credit. |
| 305068255 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years in current home<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 exceeds 680 fico minimum<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates |
| 305068256 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing proof that the XXXXXX HELOC has been paid and closed to future draws | 4/20/2026: Received funding sheet and outgoing wire to payoff XXXXXX. Per payoff, a wire to payoff funds is considered proof for HELOC to be closed. | 4/20/2026: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: HLTV of 80% is below the 90% program maximum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history 0 x 30 in 45 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score of 753 exceeds 680 credit score minimum |
| 305068256 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide LE issued 2/17/26 per tracking in file. | 3.27.2026 - Missing LE 2.17 provided | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: HLTV of 80% is below the 90% program maximum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history 0 x 30 in 45 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score of 753 exceeds 680 credit score minimum |
| 305068256 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that the XXXXXX HELOC has been paid and closed to future draws | 4/20/2026: Received funding sheet and outgoing wire to payoff XXXXXX. Per payoff, a wire to payoff funds is considered proof for HELOC to be closed. | 4/20/2026: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: HLTV of 80% is below the 90% program maximum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history 0 x 30 in 45 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score of 753 exceeds 680 credit score minimum |
| 305068257 | XXXXXX | XXXXXX | XXXXXX | VA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | The 1099 is partially illegible. | 3/26/2026 Received copy of VA Certificate of Eligibility | 3/27/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 45.18%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 766.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 68.81%. |
| 305068257 | XXXXXX | XXXXXX | XXXXXX | VA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied C A | CRDINSR3028 | Flood Certificate has incorrect or incomplete data | No | The Flood Certificate is partially illegible. | 3/26/2026 Received legible copy of flood certificate | 3/27/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 45.18%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 766.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 68.81%. |
| 305068257 | XXXXXX | XXXXXX | XXXXXX | VA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | The Ownership and Encumbrance report is partially illegible. | 3/26/2026 Received legible copy of title report | 3/27/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 45.18%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 766.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 68.81%. |
| 305068258 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrowers are consolidating $35k in debts which is a significant total monthly debt reduction.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has a strong mortgage payment history with 0 X30,60,90 days. Paid as agreed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 6 years. |
| 305068259 | XXXXXX | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 54 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 765 exceeds min score requirement of 640. |
| 305068260 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has zero lates within the past 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.974%; guidelines allow 90%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has zero lates and zero derogatory accounts. |
| 305068261 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Provide Homeowners Insurance declaration page or applicable evidence to support using $991.52 as an annual home insurance premium for XXXXXX property. The document provided is monthly insurance bill with remaining balance/partial amount. | 4/1/2026 Received updated copy of homeowners insurance reflecting premium of $991.52 | 4/2/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 mid score exceeds min required of 640 for up to 60% CLTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 7 years at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 82 months mortgage payment history 0x30. Guidelines require 0x30 in past 12 and no more 1x30 in past 24 months.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrowers paying of total $717/month debt payments. |
| 305068261 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide Homeowners Insurance declaration page or applicable evidence to support using $991.52 as an annual home insurance premium forXXXXXXproperty. The document provided is monthly insurance bill with remaining balance/partial amount. | 4/1/2026 Received updated copy of homeowners insurance reflecting premium of $991.52 | 4/2/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 mid score exceeds min required of 640 for up to 60% CLTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 7 years at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 82 months mortgage payment history 0x30. Guidelines require 0x30 in past 12 and no more 1x30 in past 24 months.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrowers paying of total $717/month debt payments. |
| 305068261 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance policy provided has an effective date of 04/09/2026 and loan disbursement date is 03/06/2026. Provide current insurance policy. | 4/1/2026 Lender provided previous policy reflecting effective date of 11/2/25 > 11/2/26 | 4/2/2026 Exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 mid score exceeds min required of 640 for up to 60% CLTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 7 years at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 82 months mortgage payment history 0x30. Guidelines require 0x30 in past 12 and no more 1x30 in past 24 months.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrowers paying of total $717/month debt payments. |
| 305068262 | XXXXXX | XXXXXX | XXXXXX | AK | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 mid score > min required of 660<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 11+ years at present job |
| 305068263 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 26% is well below the program maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: HLTV of 58% is well below the program maximum LTV of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score of 775 exceeds program minimum of 640. |
| 305068264 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 36.74 is below max 90<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Zero lates on credit report for mortgage history. 0 x 30 in 82 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 46.97 below guideline max 50%. |
| 305068265 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.83% DTI is below product maximum 50%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 80 months verified on-time payments 0x30, 0x60, 0x90 - guidelines require 0x30 in past 12 months and no more than 1x30 in past 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 664 score exceeds product minimum of 640 |
| 305068266 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 75.314%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 mid score > min required of 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have83 months mortgage payment history 0x30. |
| 305068267 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 mid score > min required of 640.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers have101 months mortgage payment history 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at primary residence. |
| 305068268 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | W2s in file are illegible and do not depict the year of the reported income. | 3/30/2026 Received legible copies of both 2024/2025 W2's. | 3/30/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have75 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 mid score > min required of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 19+ years at present job. |
| 305068269 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.41% DTI with a 50% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.49% CLTV with a 90% max allowed. |
| 305068270 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Evidence that borrower acknowledged receipt of the, final LE dated 2/16/2026 and no receipt of the initial CD dated 2/25/2026, 3 business days prior to consummation date of 3/2/2026 | 3.25.2026 - Disc tracking provided | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 38.56% is below guideline maximum 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21 years at primary residence |
| 305068271 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 mid score > min required of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.01%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 57.82%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 39.82% is below guideline maximum 50%. |
| 305068272 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing proof that the XXXXXX Heloc has been paid and closed to future draws. | 4/1/2026 Received rebuttal citing full payoff per final settlement statement. Reviewer accepts verification of full line payoff + new 2nd lien subject transaction without additional subordination verification previous LOC will remain on title. | 4/2/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history no lates, no derogs.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 767 exceeds the guideline program minimum of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.35% DTI below guideline requirement of 50%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 15 years. |
| 305068272 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that the XXXXXX Heloc has been paid and closed to future draws. | 4/1/2026 Received rebuttal citing full payoff per final settlement statement. Reviewer accepts verification of full line payoff + new 2nd lien subject transaction without additional subordination verification previous LOC will remain on title. | 4/2/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history no lates, no derogs.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 767 exceeds the guideline program minimum of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.35% DTI below guideline requirement of 50%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 15 years. |
| 305068273 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Provide legible 1099R for pension/retirement income, the document in file does not reflect year. | 3/30/2026 Received legible copy of 1099R for SS benefit. Supports earnings used to qualify. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at primary residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30,0x60,0x90 with 58 months reviewed and exceeds guideline requirement 0x30 in 12 months and no more than 1x30 in 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score exceeds min required of 680 for up to 90% CLTV. |
| 305068273 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Provide legible 1099R for pension/retirement income, the document in file does not reflect year. | 3/30/2026 Received legible copy of 1099R for SS benefit. Supports earnings used to qualify. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at primary residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30,0x60,0x90 with 58 months reviewed and exceeds guideline requirement 0x30 in 12 months and no more than 1x30 in 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score exceeds min required of 680 for up to 90% CLTV. |
| 305068274 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.06%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 751 is 71 points above minimum program requirement of 680.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 247 months. |
| 305068275 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 mid score exceeds min required of 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 in 58 months reviewed, Guidelines require 0x30 in past 12 months and no more than 1x30 in past 24 months. |
| 305068276 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 Credit score exceeds guidelines of 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.65% CLTV below guideline requirements of 85%. |
| 305068277 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 84.98 lower than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 766 exceeds minimum credit score of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since 8/16/16. |
| 305068278 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 19 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.32% is below max guidelines of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 32 years at current job. |
| 305068279 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 exceeds guidelines 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42% DTI max DTI 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence |
| 305068280 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | O&E title search is partially illegible | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers usage 17.04%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 743. Minimum score per program is 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 20.57% is below guideline maximum 50%. |
| 305068281 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Need documentation to support first mortgage payment includes an escrow account for taxes and insurance | 3/27/2026 Received verification 1st lien payment of $923.21 used to qualify is full PITI payment. | 3/27/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10+ years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 mid score > min required of 640<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 47 months mortgage payments history 0x30 |
| 305068281 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | Need verification the first lien mortgage payment includes escrow for taxes and insurance | 3/27/2026 Received verification 1st lien payment of $923.21 used to qualify is full PITI payment. | 3/27/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10+ years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 mid score > min required of 640<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 47 months mortgage payments history 0x30 |
| 305068282 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 767 exceeds 640 minimum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30, 0x60, 0x90 with 67 months reviewed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 59 years in current residence |
| 305068283 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 88.48% / Max LTV 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 683 exceeds min score requirement of 640.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 44 months. |
| 305068284 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 38.44% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 57%; guidelines allow 90%. |
| 305068285 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.28% CLTV < max permitted of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have53 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 mid score > min required of 680 |
| 305068286 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.28% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.49% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 mid score > min required of 660 |
| 305068287 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Federal Consumer Protection | Active B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | Loan originator is listed as XXXXXX on Note and Mortgage. NMLS Consumer access lists loan originator asXXXXXX. Can tie name to Originator | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years at primary residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have48 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 mid score > min required of 640. |
| 305068287 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Verbal VOE is dated 2/17/26 and is > 10 days from Note date of 3/2/2026. | 4/1/2026 Received verbal VOE performed by lender dated 3/31/2026. Clayton accepts this verbal VOE, 18 days post-closing, with assumption loan has not yet been delivered to agency for purchase. | 4/1/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years at primary residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have48 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 mid score > min required of 640. |
| 305068288 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 36 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 1447% LTV/ 72.031% CLTV below guideline requirements of 90% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 700 exceeds the guideline program minimum of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 46.63% DTI below guideline requirement of 50%. |
| 305068289 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score of 756 exceeds program 640 minimum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 mortgage history out of 15 payments.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at subject for 26 years. |
| 305068290 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing Mortgage | No | Provide missing mortgage signed and notarized with any applicable riders. | 3.26.2026 - Mortgage received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 734 exceeds 640 minimum required for up to 60% CLTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 28 years at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30,0x60,0x90 with 80 months reviewed, guidelines required 0x30 in past 12 and no more than 1x30 in past 24 months. |
| 305068291 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 8 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 52 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 43.83% DTI below guideline requirement of 50%. |
| 305068292 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 734/minimum 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years at current residence |
| 305068293 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: WVOE supports Bonus income not used in qualifying<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7years 6 months at current employer<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: HTLTV 72% - LTV below guideline requirements - Max 90% |
| 305068294 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 35 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 11.97%; guidelines allow 90%. |
| 305068295 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3604 | TRID - Error discovered on Closing Disclosure | No | The Final CD shows payoff for Consumers CU of $89,444.91 ($88,268.95 P&I, $1,101.96 Interest, $74 Rec Fees). The Final CD shows $88,268.00 was paid and there is a handwritten adjustment to the cash back to the borrower. Provide evidence the full amount due was paid and lien is satisfied. | 4/16/2026 Received additional documentation to support the full payoff of Consumer CU. | 4/16/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 mid score. Min 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.94. Max is 50% |
| 305068296 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 16 years + at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 800 mid score > min required of 680. |
| 305068297 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.16% DTI is below guideline 50% maximum.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 26 Years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 Credit score exceeds guidelines 660 minimum for up to 70% CLTV. |
| 305068298 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: LOW DTI, Currently 32.60%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 51.63% is below max CLTV of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 710 FICO score. Minimum required 640. |
| 305068299 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.73% is below Guideline 50% maximum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 27 years at primary residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have50 months mortgage payment history 0x30, guidelines require 0x30 in 12 months and no more than 1x30 in 24 months.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Debt consolidation results in a reduction of $241/month in payments |
| 305068300 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 9 years 2 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit score 676 exceeds guidelines 640<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 14 years 7 months at current job.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x 30 mortgage lates in the past 51 months |
| 305068301 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30,0x60,0x90 with 62 months reviewed, guidelines require 0x30 in last 12 and no more than 1x30 in last 24 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 38.31% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 mid score exceeds min required of 680 |
| 305068302 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3950 | TRID - CD: The Additional Product Feature value in the CD Loan Information section and the Negative Amortization disclosure in the CD Loan Disclosures section are not consistent | No | Please provide missing page 4 of final CD 3/5/26 to confirm no additional product features in the loan disclosure section. | 4.1.2026 - Comment says uploaded but no attachment provided4.2.2026 - Corrected CD provided | 4.1.2026 - Exception remains4.2.2026 - Exception satisfied | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.27% DTI < max permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% CLTV < max permitted of 90% |
| 305068302 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID4350 | TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form | No | Please provide missing page 4 of final CD 3/5/26. | 4.1.2026 - Comment says uploaded but no attachment provided4.2.2026 - Corrected CD provided | 4.1.2026 - Exception remains4.2.2026 - Exception satisfied | Hybrid | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.27% DTI < max permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% CLTV < max permitted of 90% |
| 305068303 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.226% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 mid score > min required of 660<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 42 years at primary residence |
| 305068304 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.83% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.79% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 660 |
| 305068305 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid score > min required of 640<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have56+ months mortgage payment history 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 36+ years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 3.792%; guidelines allow 90%. |
| 305068306 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP2057 | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | No Cert of Compliance or Cert of Exemption in file | 3.27.2026 - Cert of comp received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have53 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: LTV is 50.35%; guidelines allow 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at primary residence |
| 305068307 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 mid score > min required of 640<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years at primary residence<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have52 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 38.34% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53.49%; guidelines allow 80%. |
| 305068308 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide lender QM determination. | 3.30.26 ATR/QM designation provided. | 3.30.26 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 55.66%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 756 is 116 points above minimum program requirement of 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has maintained the same job for 205 months. |
| 305068309 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.97% DTI below guideline requirement of 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 792 exceeds the guideline program minimum of 680. |
| 305068310 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 755 exceeds min score requirement of 640.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 64 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower 20 years current job time |
| 305068311 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 37.45% is below guideline maximum 50%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.00%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 640. |
| 305068312 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score 640 borrower's credit score is 754.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 34 month reporting mortgage history |
| 305068313 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has occupied the subject for more than 17 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30,0x60,0x90 with 71 months reviewed, guidelines require 0x30 in last 12 and no more than 1x30 in past 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 747 exceeds program minimum of 640 |
| 305068314 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Right of Rescission | Active B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.27 DTI below product max 50%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.910%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 16.08/40.62 LTV below guideline max 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 17 years in current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 Fico exceeds product minimum 680 |
| 305068315 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 60.59% is 9.41% below the 70% CLTV allowed.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 22+ years at present job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 18+ years at present job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years at current residence. |
| 305068316 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0X30X315.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 35 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 35 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 732 exceeds the guideline program minimum of 680. |
| 305068317 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 757..below program minimum 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying cltv 69.43% below program max 90%. |
| 305068318 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 26 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x70.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 674 exceeds min score requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 42.18% / Max LTV 70%. |
| 305068319 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | DTI of 56.82% is over guideline maximum of 50%. Lender excluded $886 installment payment without supporting documentation. Per bank statements provided showing payments made, the account is joint with borrower. | 3/19/2026: Received LOX from borrowers' spouse stating he is responsible for auto loan payment using his own income. Review of 14 months (joint) bank statements provided reflect all transactions (recurring, individual, income deposits,) are in the name of the spouse. None of the borrowers' debts have been paid through this account, nor do the statements reflect any income deposits in the name of the borrower. Review accepts documentation as verification the debt is paid by another. | 3/20/2026: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84.85% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 39 years. |
| 305068319 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Federal Higher-Priced | Satisfied C A | CMPFDHP2948 | Federal Higher-priced mortgage loan - Appraisal does not meet HPML standards | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84.85% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 39 years. |
| 305068319 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | DTI of 56.82% is over guideline maximum of 50%. Lender excluded $886 installment payment without supporting documentation. Per bank statements provided showing payments made, the account is joint with borrower. | 3/19/2026: Received LOX from borrowers' spouse stating he is responsible for auto loan payment using his own income. Review of 14 months (joint) bank statements provided reflect all transactions (recurring, individual, income deposits,) are in the name of the spouse. None of the borrowers' debts have been paid through this account, nor do the statements reflect any income deposits in the name of the borrower. Review accepts documentation as verification the debt is paid by another. | 3/20/2026: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84.85% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 39 years. |
| 305068319 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | Missing legible copy of title report | 3/12/2026 Lender provided full legible copy of title report3/13/2026 Received rebuttal from lender including full copy of legible title report | 3/12/2026 Exception satisfied 3/13/2026 Documentation received 3/12/2026 and satisfied. Exception remains satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84.85% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 39 years. |
| 305068320 | XXXXXX | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min Credit Score is 680. The Representative Score is 716<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have 1 Revolving tradeline with a monthly payment of $29<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The Max CLTV is 90%. The Borrower's CLTV is substantially lower at 40% |
| 305068321 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | Federal Consumer Protection | Active B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | NMLS shows Loan Originator using a middle name. Can verify as one in the same person. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Maximum DTI is 50%. Borrower's DTI is 45.48%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score is 640. Borrower's credit score is 693<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV maximum is 90%, subject's CLTV is 58.06% |
| 305068322 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 40.79% is below guideline maximum 50%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 48 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 mid score > min required of 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 13.60%; guidelines allow 90%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 11+ years at present job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6+ years at current residence |
| 305068323 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Active B | CMPSTCP1770 | OH CSPA; Required Closing Disclosure not provided to borrower | No | Please provide Missing Disclosure of Right Not to Close. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 15 years. |
| 305068324 | XXXXXX | XXXXXX | XXXXXX | NE | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 44.09%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 81.44%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 680. Approved FICO is 695. |
| 305068325 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 54 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 776 exceeds program minimum 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 30 years. |
| 305068326 | XXXXXX | XXXXXX | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 mid score > min required of 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 11+ years at present job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24 years at primary residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have235 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 54.86%; guidelines allow 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.45% is below guideline maximum 50%. |
| 305068327 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 717 mid score > min required of 640<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has57 months mortgage payment history 0x30. Exceeds guideline of 24 mos.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 41.67% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 42.89%; guidelines allow 90%. |
| 305068328 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | Provide a legible copy of the O& E Report. Much of the verbiage is missing. | 3/30/2026 Received copy of legible O&E. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 149 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have66 months mortgage payment history 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years at current residence. |
| 305068329 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 mid score > min. required of 640<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at primary residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 55 months mortgage payment history 0x30 |
| 305068330 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Provide missing hazard insurance verifying $109.83 monthly premium as used to qualify. | 4/8/2026 Received policy reflecting annual premium of $1,276 (106.33/mo) | 4/8/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 23 years at primary residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 46.94% is below guideline 50% maximum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 in 52 months mortgage reviewed, guidelines require ox30 in past 12 months and no more than 1x30 in past 24 months. |
| 305068330 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing Lender Initial ATR/QM status. Status was not located in file. | 4/1/2026 Received satisfactory Mavent report. | 4/2/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 23 years at primary residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 46.94% is below guideline 50% maximum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 in 52 months mortgage reviewed, guidelines require ox30 in past 12 months and no more than 1x30 in past 24 months. |
| 305068330 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Provide missing hazard insurance. | 4/1/2026 Received rebuttal stating, "uploaded to other condition". Review of submitted documents do not include copy of satisfactory homeowners insurance policy. 4/8/2026 Received copy of homeowners policy | 4/2/2026 Exception remains 4/8/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 23 years at primary residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 46.94% is below guideline 50% maximum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 in 52 months mortgage reviewed, guidelines require ox30 in past 12 months and no more than 1x30 in past 24 months. |
| 305068331 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | File has H06 policy only. Provide the current Condo Master dec page. Per the HOI provided, the subject is a Condo. Additionally, no dwelling coverage is provided. It is for personal Items only. | 3/30/2026 Received copy of condo master insurance policy. Sufficient dwelling coverage verified. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 660<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 15+ years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 52%; guidelines allow 90%. |
| 305068331 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | File has H06 policy only. Provide the current Condo Master dec page. Per the HOI provided, the subject is a Condo. Additionally, no dwelling coverage is provided. It is for personal Items only. | 3/30/2026 Received copy of condo master insurance policy. Sufficient dwelling coverage verified. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 660<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 15+ years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 52%; guidelines allow 90%. |
| 305068331 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | The Title O&E provided is mostly illegible. Provide a fully legible copy. | 3/30/2026 Received legible copy of O&E. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 660<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 15+ years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 52%; guidelines allow 90%. |
| 305068332 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 670 exceeds guideline minimum of 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 30.4 % is below guideline maximum of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified CLTV 68.61% is below guideline maximum of 90% |
| 305068333 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 84.91% is below max LTV of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 703 FICO score. Minimum required 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.82% is below max DTI of 50%. |
| 305068334 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 21+ years at present job.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 47 months consumer credit history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15+ years at primary residence. |
| 305068335 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 50.70%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 score exceeds min required of 640 for up to 60% CLTV/HCLTV.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30,0x60,0x90 with 47 months reviewed. Guidelines require 0x30 within last12 and no more than 1x30 in 24. |
| 305068336 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 in 65 months reviewed, Guidelines require 0x30 in past 12 and no more than 1x30 in past 24 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer for 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 746 exceeds min score requirement of 660 for LTV of up to 60%. |
| 305068337 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied the subject property for 27 years.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Benefit To Borrowers: Paid off $4,759.00 in consumer debt which reduced the monthly debt service by $408.00 - $449.86 PI on new HELOC = $41.86 debt service net increase and received $42,507.43 cash in hand at closing. |
| 305068338 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 21+ years at present job<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.57%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 68.79%; guidelines allow 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 mid score > min required of 660 |
| 305068339 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | Provide a legible copy of the complete Title Commitment including all pages, schedules, and exhibits for the subject property. The document must be fully readable and include all referenced attachments. | 3/30/2026 Received legible copy of O&E report. | 3/30/2026 Exception cancelled. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 812 mid score > min required of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years at primary residence |
| 305068340 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 18 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any lates on any mortgage accounts within the past two years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 703 FICO score. Minimum required 680. |
| 305068341 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 711. Minimum required 640<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been at their current job over 24 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have lived at their current residence for 13 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the same profession for 28 years |
| 305068342 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 46.06% DTI below guideline requirement of 50%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Median FICO of 728 exceeds the guideline program minimum of 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 46 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 5 years. |
| 305068343 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 mid score > min required of 680<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 mortgage payment history for 45 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 49.65% is below guideline maximum 50%. |
| 305068344 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | Federal Consumer Protection | Active B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 743. Minimum score per program is 640<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 18%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years at primary residence. |
| 305068345 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 28+ years at present employer<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 mid score > min required of 640<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 30 months mortgage payment history 0x30 |
| 305068346 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | 2nd lien paid through closing is shown in active forbearance on the credit report. Guidelines require all mortgages be current, and a minimum of 6 consecutive monthly payments post-forbearance prior to approval. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12 years with current employer<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 fico exceeds minimum of 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years at current residence |
| 305068347 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 55.68%; guidelines allow 90%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 23.49%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 mid score > min required of 640. |
| 305068348 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at the same residence 15 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 47 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with same employer 14 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.95% DTI below 50% guideline requirement<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Additional bonus income received not used in qualifying<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 12.32/32.06 below 90% guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 Fico exceeds 680 Guideline product requirement |
| 305068349 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.76% below maximum allowed of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 696 exceeds required score of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 73.56% below program maximum 90%. |
| 305068350 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have224 months mortgage payment history 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 38 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 19+ years at present job<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 376 months. |
| 305068351 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 32.14% is below Guidelines 50% maximum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 15 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score is 640, Borrower's credit score is 771 |
| 305068352 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 21 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30, 0x60, 0x90 with 55 months reviewed on current mortgage. Guidelines require 0x30 in 12 months and no more than 1x30 in 24 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 9 years at current residence. |
| 305068353 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 741.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 47.362%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 58.39%. |
| 305068354 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 696 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 86.01% is below max LTV of 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have41 months mortgage payment history 0x30. |
| 305068355 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing mortgage statement for first lien as required per guidelines. Mortgage statement is anticipated to reflect P&I of $1,596.00. If the statement is for PITIA, escrow portion anticipated is $283.72/mo. | 3/20/2026 Client submitted mortgage statement confirming P&I of $1,596.59. | 3/20/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 758.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 42.56%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 45.57%. |
| 305068355 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No | The Flood Certificate is illegible. Appears to be due printing/scanning issue. | 3/30/2026 Received legible copy of flood cert. Supports no flood insurance required. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 758.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 42.56%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 45.57%. |
| 305068355 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | The Ownership and Encumbrance report is partially illegible. Appears to be due printing/scanning issue. | 4/14/2026 Received satisfactory title report | 4/14/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 758.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 42.56%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 45.57%. |
| 305068356 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.65% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 822 mid score > min required of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.70% |
| 305068357 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | B | B A | B | B A | Property Valuations | Appraisal | Active B | PRVAAPPR5291 | Most Recent AVM Name not from approved vendor | No | Vero used for valuation. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 817 mid score > min required of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 32.79% is below guideline maximum 50%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 1+ years at present job |
| 305068358 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | O & E title search is partially illegible | 4/3/2026 Received legible copy of O&E. | 4/3/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has retained stable employment in the Nursing industry for 19 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 53.38% is below max LTV of 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| 305068359 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at primary residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 51 months mortgage payment history 0x30<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 mid score > min required of 640 |
| 305068360 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | Documentation | Satisfied C A | CMPDOC3076 | Legal document was not executed or is incomplete | No | Missing final signed CD | 3/26/26 - Lender provided Signed CD dated. | 3/26/26 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 43 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 mid score > min required of 640<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have48 months mortgage payment history 0x30. Exceeds min. requirement of 24 mos.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 84.86%; guidelines allow 90%. |
| 305068361 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Fico 702 - Derog /Public records/OFAC/SSN variation/ address variations: no name variation: n 24 momortgage hist 0x30x24 Lowest<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: LOW DTI- Maxx 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LOW LTV 24.91% - Max 90% |
| 305068362 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL4871 | Missing Title Certification | No | Title commitment provided is not legible. Please provide a clear and legible copy of the complete title commitment, including all schedules and requirements. | 3/30/2026 Received legible copy of O&E. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| 305068363 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 700 exceeds 640 minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at primary residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 30 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.79% is below Guidelines 50% maximum. |
| 305068364 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid score exceeds min required of 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.86% is below guideline maximum 50%. |
| 305068365 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: HCLTV 6.93%. Max 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have lived at their current residence for 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 689. Minimum score required 640 |
| 305068366 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Insurance requirement not met Combined UBP $606,648.00 required coverage $486,918.40 per declaration page Dwelling Coverage with replacement $440,000.00. | 4/2/2026 Received verification of RCE. Supports sufficient coverage. | 4/3/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving credit usage at 9%<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower earns additional bonus and overtime income not used to qualify.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 804 > 640 required. |
| 305068367 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.46% below guideline requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 633 < 640 minimum required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 39+ years at current job. |
| 305068368 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 in last 49 months as reviewed, guideline require 0x30 in last 12 months and no more than 1x30 in last 24.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 mid score > min required of 640<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years at primary residence |
| 305068369 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 791 exceeds required FICO of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per WVOE, b1 has been employed at same school district since 8/31/10.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CTLV of 67.44 is lower than max allowed 90%. |
| 305068370 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 45 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 721 > min required score of 620. |
| 305068371 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Maximum DTI is 50%, borrower's DTI is 32.99%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum CLTV is 90%, subject's CLTV is 75.82%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score is 680. Borrower's credit score is 799 |
| 305068372 | XXXXXX | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12 years at current job.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Bonus income not used to qualify. |
| 305068373 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.81% DTI < max permitted of 50% |
| 305068374 | XXXXXX | XXXXXX | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1750: High potential for increased earnings<br> - Clayton Comments: The property is using no rental income to qualify.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 74 mid score > min required of 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same field of employment for over 15 years |
| 305068375 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history is positive, no lates or derogs<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.46% CLTV < guideline is 90% |
| 305068376 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 57.01% / Max LTV 90%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 82 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 722 exceeds min score requirement of 640. |
| 305068377 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 254 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 746 is 66 points above minimum program requirement of 680. |
| 305068378 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | A | A B C | A | A B | Compliance | Federal Consumer Protection | Active B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | Loan documents no not include middle name; NMLS includes middle name. Exception is non-material graded 2B | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guidelines allow 80%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have50 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8+ years at present job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 40.66% is below guideline maximum 50%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 9+ years at present job |
| 305068378 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | A | A B C | A | A B | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Missing evidence of insurance effective on the date of disbursement Evidence of insurance effective date is 3/9/26/2026. Disbursement date is 2/27/2026. | 3/30/2026 Received proof of prior policy to support continuous coverage. | 3/30/2026 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guidelines allow 80%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have50 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8+ years at present job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 40.66% is below guideline maximum 50%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 9+ years at present job |
| 305068379 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.48%; guidelines allow 90%.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has overtime and bonus income not being used in qualifying.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years 2 months at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 12 years 4 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid score > min required of 680 |
| 305068380 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A B D | A | A B | Compliance | Right of Rescission | Satisfied B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. | 3.27.2026 - LOX and proof of delivery and ROR form received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75.98%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 mid score > min required of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 33.40%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have47 months mortgage payment history 0x30.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has bonus income on written verification of employment that was not used to qualify. |
| 305068380 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A B D | A | A B | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | Provide Title O&E that is completely legible. Copy provided has most verbiage garbled. | 3/30/2026 Received legible copy of O&E report. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75.98%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 mid score > min required of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 33.40%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have47 months mortgage payment history 0x30.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has bonus income on written verification of employment that was not used to qualify. |
| 305068381 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 57.85%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 mid score > min required of 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.947% is below guideline maximum 50%. |
| 305068382 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date of 3/5/26 is before end of statutory rescission period date of 3/9/25. | 4.2.2026 - Final ALTA with DD 3.10.2026 received | 4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 50 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 mid score exceeds min required of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30,0x60,0x90 in 75 months reviewed, guidelines require 0x30 in last 12 months and no more than 1x30 in last 24 months. |
| 305068383 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | O & E title search is partially illegible | 3/30/2026 Received fully legible copy of O&E. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.50 CLTV below max70%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 46.24 less than product threshold 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 675 Fico exceeds 660 product requirement |
| 305068384 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Terms/Guidelines | Satisfied B A | CRDTER113 | Loan amount is below guideline minimum | No | Loan amount of $35,000 is below the minimum loan amount of $50,000. | 3/23/2026 Received copy of Lender guideline dated 1/9/2026 reflecting minimum loan amount of $35,000. Based on application date for subject transaction of 2/9/2026, exception is satisfied. | 3/23/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 813 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.65% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 11.35%; guidelines allow 90%. |
| 305068385 | XXXXXX | XXXXXX | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have28 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 mid score > min required of 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 5.95%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.65% is below guideline maximum 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 40+ years at current residence<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 107 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 18.88% |
| 305068386 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @6.78%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower's DTI of 45.64% is below guideline maximum of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 810 mid score > min required of 640 |
| 305068387 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 694.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at subject property for 12 years |
| 305068388 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | Right of Rescission | Satisfied C A | CMPROR114 | ROR - Right of Rescission not executed by all title holders | No | Missing Right of Rescission for the borrower, Ram Satheesh Bondalapati | 3.26.2026 - ROR received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 Credit score exceeds guidelines 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 9 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $11,472.56 or 2.29 months PITIA exceed required amount of $0.00.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 51.59% below guideline requirements max of 90%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 20 years. |
| 305068389 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 45.945% is below maximum allowed 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 73.29% is below maximum allowed 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 706 exceeds minimum allowed 680. |
| 305068390 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 45.34% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 800 mid score > min required of 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 46.13% is below the guideline maximum of 50%. |
| 305068391 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | O&E title search is partially illegible | 3/30/2026 Received fully legible O&E report. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 40 years at primary residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0X30 lates.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 688 mid score > min required of 640. |
| 305068392 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20 years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57.99%; guidelines allow 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have55 months of current mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 mid score > min required of 680 |
| 305068393 | XXXXXX | XXXXXX | XXXXXX | KS | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: $38609 debts paid in full through closing<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 17 years current employer<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 17 years with current employer<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years current residence |
| 305068394 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP1770 | OH CSPA; Required Closing Disclosure not provided to borrower | No | OH CSPA; Required Closing Disclosure not provided to borrower | 3.30.2026 Lender provided corrected doc. | 3.30.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO 729 greater than guideline requirement 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.38 below 50% guideline requirement<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 24 months on time payment history no 0x30. meets min. requirement of 24 mos. review<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 18.92 / 80.16 LTV below guideline requirement 90% |
| 305068395 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 score exceeds min required of 640 for up to 60% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 15.15% is below Guidelines 50% maximum.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 17+ years at present job<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 61 months reviewed. |
| 305068396 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79% CLTV is below the 90% maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 726 exceeds guideline minimum requirement of 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 6.08 years |
| 305068397 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid score exceeds min required of 640 for up to 60% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 28.51% is below guideline maximum 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 27 years at primary residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 in 82 months reviewed, guidelines require 0x30 in last 12 and no more than 1x30 in last 24 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 40 years. |
| 305068398 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Missing evidence lien with Doc ID #2026007356 in the amount of $298 is paid. Guidelines require unpaid judgments and outstanding liens must be paid in full at or prior to close. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 30.45% is below guideline maximum 50%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 15 years in profession.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 48 months mortgage payment history 0x30. |
| 305068399 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.12% DTI < max permitted of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 mid score > min required of 680 |
| 305068400 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have46 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.10% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 650 mid score > min required of 640 |
| 305068401 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 8 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 20 years. |
| 305068402 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11+ years at primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20+ years at present job<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 39 months mortgage payment history 0x30, required 0x30 in 12 months and no more than 1x30 in 24 months. |
| 305068403 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x30, 0x60, 0x90 in #218 Months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score greater than minimum 640 |
| 305068404 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | There is no verbal verification of current employment in the file. | 4/2/2026 Received verbal VOE performed on 4/1/2026. While this is > 10 days of the transaction date, it is post-closing and acceptable with stipulation that the loan has not yet been submitted to an agency. | 4/2/2026 Exception satisfied, with stipulation. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 762.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 41.03%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 43.77%. |
| 305068404 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | 1003 indicates that employment started in 2024, but the borrower's letter of explanation states they did not receive a W-2 in 2024 for the current employer. Letter of explanation for employment history is not signed. Letter of explanation for $30,000 payroll deduction is not signed. 2025 W-2 has a total income of $206,485.10 with deductions added back - This does not support the paystub income of $20,833.33 per month. | 4/1/2026 Received rebuttal with lender explanation for income calculation with current paystub supporting qualifying income. Review accepts as satisfactory. | 4/1/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 762.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 41.03%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 43.77%. |
| 305068404 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No | The Flood Certificate is partially illegible. | 4/1/2026 Flood cert received | 4/2/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 762.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 41.03%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 43.77%. |
| 305068405 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has been 15 years in current profession.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has 10+ years at present job.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30,0x60,0x90 with 48 months current mortgage reviewed. Guideline require 0x30 in past 12 months and no more than 1x30 in past 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 mid score exceeds min required of 660 for up to 70% CTLV. |
| 305068406 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Federal Consumer Protection | Active B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | Loan originator name is XXXXXX on the 1003. NMLS Consumer access lists loan originator name XXXXXX. UW can tie name to loan originator. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 16.61%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 42.10% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 mid score > min required of 640<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have52 months mortgage payment history 0x30. |
| 305068407 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 694.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 57.74%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 45.10%. |
| 305068408 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Active B | CMPSTCP1770 | OH CSPA; Required Closing Disclosure not provided to borrower | No | OH CSPA; Missing Required Closing Disclosure (Right Not To Close) | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 mid score > min required of 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have56 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.01% CLTV < max permitted of 90% |
| 305068409 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | A | A D B | A | A D B | Compliance | Documentation | Satisfied D A | CMPDOC3274 | Mortgage/Deed in file is incomplete | No | Please provide a copy of mortgage signature page showing non borrowing spouse signature. | 3.27.2026 - DOT received for non borrowing spouse | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2015 per CR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.52% CLTV with a 90% max allowed. |
| 305068409 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | A | A D B | A | A D B | Compliance | Right of Rescission | Satisfied C A | CMPROR114 | ROR - Right of Rescission not executed by all title holders | No | Please provide a copy of the ROR signed by non borrowing spouse. | 3.27.2026 - ROR received for both | 3.27.2026 - Exception satisifed | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2015 per CR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.52% CLTV with a 90% max allowed. |
| 305068409 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | A | A D B | A | A D B | Compliance | Right of Rescission | Satisfied D B | CMPROR4407 | ROR - No evidence that the material disclosures were delivered to all with rescission rights via TIL, CD or HELOC, as applicable | No | Please provide a copy of final CD 2/17/26 signed by non borrowing spouse. | 3.27.2026 - Final CD received signed by non borrowing spouse | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2015 per CR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.52% CLTV with a 90% max allowed. |
| 305068409 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | A | A D B | A | A D B | Credit | Legal Documents | Satisfied D A | CRDLGL2864 | Copy of Mortgage/Deed in file is incomplete | No | Please provide a copy of mortgage signature page showing non borrowing spouse signature. | 3.27.2026 - DOT received for non borrowing spouse | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2015 per CR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.52% CLTV with a 90% max allowed. |
| 305068410 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 250 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 mid score > min required of 640 |
| 305068411 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 37 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21 years at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 mid score > min required of 680. |
| 305068412 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing lender's QM status determination. | 3/26/2026 Lender provided Mavent report reflecting status as Safe Harbor (APOR) | 3/27/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 32 years at primary residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.02%; guidelines allow 70%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have49 months mortgage payment history 0x30.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 20+ years at present job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 39.07% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 mid score > min required of 660 |
| 305068413 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 46.87% is below Guidelines 50% maximum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 44 years at primary residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 68 months mortgage payment history 0x30. Guidelines require 0x30 in 12 months and no more than 1x30 in 24 months. |
| 305068414 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.99% is below guideline maximum 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at primary residence<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 19+ years at present job |
| 305068415 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 184 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 45 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 723 > min required score of 620. |
| 305068416 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x56 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned home for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 739 is above the required 660. |
| 305068417 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates in 62 months reviewed, guidelines require 0x30 in past 12 and no more than 1x30 in last 24 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years in current residence<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Consolidation of $729/month in total debt. |
| 305068418 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 74 months mortgage payment history 0x30<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 mid score > min required of 640 |
| 305068419 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 45% is well below the 90% program maximum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided at current residence for over 37years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 744 exceeds the program minimum of 640. |
| 305068420 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 743 exceeds guideline minimum of 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 17 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 13 years 8 months. |
| 305068421 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required of 680.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have53 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 42.57% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 8.17%; guidelines allow 90%. |
| 305068422 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x36 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.23% CLTV is 73, below guide maximum of 90% |
| 305068423 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at primary residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 52.09%, guidelines allow 70%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 63 months mortgage payment history 0x30,60,90 days. Paid as agreed. |
| 305068424 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Score of 781 exceeds minimum required of 660 for up to 70% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 12.30% is below guideline maximum 50%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 26 months reviewed on current mortgage. |
| 305068425 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing 2023 / 2024 Complete tax returns. 2024 1040, 1065 / K1 in file. 2023 1065 in file.Two years required | 4/1/2026 Received 2023 1040. | 4/1/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 for 71 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 54.01%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > min required of 620 |
| 305068426 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has no late mortgage payment and has another property owned free and clear.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been at his current job for 24 years |
| 305068427 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%, current DTI is 31.29%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 rep score; Minimum score 640 for LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV is 90%; Current LTV is 54% |
| 305068428 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines; 777 > 680 min<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 10.36%; guidelines allow 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time of 9 years at current residence. |
| 305068429 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 19 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 57.531%; guidelines allow 90%. |
| 305068430 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 60.982%; guideline allow 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 24 months. |
| 305068431 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for initial CD 2/18/26. | 3.27.2026 - Disc tracking received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 33.58% is 16.42% below the 50% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 31 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 35.93% is 34.07% below the 70% CLTV allowed. |
| 305068431 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for initial CD 2/18/26. | 3.27.2026 - Disc tracking received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 33.58% is 16.42% below the 50% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 31 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 35.93% is 34.07% below the 70% CLTV allowed. |
| 305068432 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 fico score exceeds guidelines 680<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: OT and Bonus income not used to qualify<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years at current residence |
| 305068433 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 798 FICO score. Minimum required 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 57.55% is below max CLTV of 90%. |
| 305068434 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified CLTV 29.87% is below guideline maximum of 70%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 38.18 is below maximum guideline 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 671 exceeds minimum guideline of 640 |
| 305068435 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 18 years at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30, 0x60, 0x90 mortgage lates in the past 44 months reviewed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 37.62 % is below guideline maximum of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 645 exceeds guideline minimum of 640 |
| 305068436 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 with current employer over 29 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.90% DTI with a 50% max allowed. |
| 305068437 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 mid score > min required of 640<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12 years at current job<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Debt consolidation is reducing other monthly payments by $863/month |
| 305068438 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Right of Rescission | Active B | CMPROR115 | ROR - date changes must be acknowledged/initialed by borrower | No | No initials present for handwritten date of 3/10/26. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years in current home<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.798% CLTV is below 90% threshold |
| 305068438 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Right of Rescission | Active B | CMPROR118 | ROR - Disbursement date is on/before disclosed "midnight of" date | No | ROR Expiration date of 03/10/2026; disbursement date per Final CD 03/09/2026. Borrower did not receive full mandatory rescission period prior to disbursement of funds. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years in current home<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.798% CLTV is below 90% threshold |
| 305068438 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP2057 | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Provide IL Cert of Compliance or Cert of Exemption. | 3.25.2026- Cert of exemption provided | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years in current home<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.798% CLTV is below 90% threshold |
| 305068439 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum CLTV 90%, subjects CLTV is 73%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score 660, borrower's credit score 686<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Maximum DTI 50%, borrowers DTI 30.08% |
| 305068440 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing lender ATR/QM status. | 3/26/2026 Lender provided satisfactory Mavent report | 3/27/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV/CLTV 12.54%/52.94% guidelines allow 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 677 mid score > min required of 660 |
| 305068441 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Active B | CMPSTCP4383 | MI Home Loan - No Evidence that Michigan Home Loan Toolkit was delivered to the borrower | No | MI Home Loan - No Evidence that Michigan Home Loan Toolkit was delivered to the borrower | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 52 months reviewed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived 11 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit score 648 exceeds guideline minimum of 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 41.43 is below guideline maximum of 50% |
| 305068442 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 20 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 20 years. |
| 305068443 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has successfully owned and operated a business in the Finance Industry for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 788 FICO score. Minimum required 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 72.73% is below max LTV of 90%. |
| 305068444 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing written VOE or itemization of variable income used to qualify co-borrower. | 3/30/2026 Received Written VOE for B2. Earnings used to qualify supported. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at primary residence<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 15 year at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 640 |
| 305068444 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing written VOE or itemization of variable income (overtime of $5,656.95/month) used to qualify co-borrower. Notes indicates a written VOE was used in income analysis, but wasn't included with documents. | 3/30/2026 Received Written VOE for B2. Earnings used to qualify supported. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at primary residence<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 15 year at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 640 |
| 305068445 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good Credit History, No lates<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO meets Min 640 |
| 305068446 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 fico score exceeds guidelines 640<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11 years at current job |
| 305068447 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has over 19 years at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 76.86% is below the maximum allowable of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 813 is above the required 660. |
| 305068448 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.22% DTI below guideline requirement of 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 40 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 708 exceeds the guideline program minimum of 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 58 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |
| 305068449 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borr has 47 months mortgage payment history 0x30<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 202 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 mid score > min required of 620 |
| 305068450 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30,0x60,0x90 with 32 months reviewed, guidelines required 0x30 in last 12 and no more than 1x30 in last 24 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has maintained the same profession for 23 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence. |
| 305068451 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Repayment Ability | Satisfied B A | CMPSTRA119 | OH CSPA - No lender analysis of repayment ability in file | No | Lender analysis of repayment ability not in file; please provide. | 3.24.2026 - 1008 provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 9+ years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 713 exceeds min required of 640 for CLTV of up to 60%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 42.41% is below guideline maximum 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30, guidelines require 0x30 in last 12 and 1x30 ax in 24 months. |
| 305068451 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP1770 | OH CSPA; Required Closing Disclosure not provided to borrower | No | Ohio Disclosure of Right Not to Close not in file; please provide. | 3.24.2026 - Right not to close provided | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 9+ years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 713 exceeds min required of 640 for CLTV of up to 60%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 42.41% is below guideline maximum 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30, guidelines require 0x30 in last 12 and 1x30 ax in 24 months. |
| 305068452 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing VOR for current secondary residence located at XXXXXX. Guidelines require verification of housing payment history. | 4/3/2026 Received VOR. Verifies satisfactory history. | 4/3/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 41.08% is below guideline maximum 50%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have66 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 48.26%; guidelines allow 80%. |
| 305068453 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 39.99% is below guideline maximum 50%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 49 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 48.58%; guidelines allow 90%. |
| 305068454 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Terms/Guidelines | Satisfied B A | CRDTER113 | Loan amount is below guideline minimum | No | The loan amount of $40,000 is below the minimum loan amount of $50,000. | 3/23/2026 Received copy of Lender guideline dated 1/9/2026 reflecting minimum loan amount of $35,000. Based on application date for subject transaction of 2/5/2026, exception is satisfied | 3/23/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82. No derogs, all accounts are paid as agreed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 791 exceeds min score requirement of 680.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 82 months. |
| 305068455 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 fico score exceeds guidelines 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 21 years at current job. |
| 305068456 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for initial CD 2/13/26. | 3.27.2026 - Disclosure tracking summary received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 Credit score exceeds guidelines of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 251 months with 0x30 mortgage payment history exceeds guideline required 12 months. |
| 305068456 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for initial CD 2/13/26. | 3.27.2026 - Disclosure tracking summary received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 Credit score exceeds guidelines of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 251 months with 0x30 mortgage payment history exceeds guideline required 12 months. |
| 305068457 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 12 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 44 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 694 exceeds the guideline program minimum of 680. |
| 305068458 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 for 30 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 15.72% is below guideline maximum 50%. |
| 305068459 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 696 exceeds the guideline program minimum of 680.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 27 months with 0x30 Mortgage payment history exceeds guidelines of 24 months, 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 27 years |
| 305068460 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30x24 mortgage payment history.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11 years with current employer. |
| 305068461 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing 1099 or acceptable documentation for Retirement pay of $589.39/month. 1003/1008 stated income sourced as Illinois tool works pension. Provide required income documents | 3/24/2026 Received copy of 2025 1099, supports retirement used to qualify. | 3/24/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower's qualifying credit score of 787 exceeds guideline requirements of 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Debt to income ratio of 40% is under guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at their primary residence for over 42 years |
| 305068461 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing 1099 or acceptable documentation for Retirement pay of $589.39/month. 1003/1008 stated income sourced as XXXXXX. Provide required income documents | 3/24/2026 Received copy of 2025 1099, supports retirement used to qualify. | 3/24/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower's qualifying credit score of 787 exceeds guideline requirements of 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Debt to income ratio of 40% is under guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at their primary residence for over 42 years |
| 305068462 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 660 greater than minimum 640<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower with current employer > #7.2 years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Good credit history 0x30, 0x60, 0x90 in #24 Months. |
| 305068463 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing confirmation of Receipt of Initial CD Dated 2/11/2026 at least 3 days prior to Consummation Date of 2/18/2026. Please provide Confirmation of Receipt of Initial CD. | 3.27.2026 - Disc tracking received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30,0x60,0x90 in the past 61 months reviewed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score of 763 exceeds guideline requirement of 660 for up to 70% CLTV<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 40.33% is below guideline requirement of 50% |
| 305068463 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing confirmation of Receipt of Initial CD Dated 2/11/2026 at least 3 days prior to Consummation Date of 2/18/2026. Please provide Confirmation of Receipt of Initial CD. | 3.27.2026 - Disc tracking received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30,0x60,0x90 in the past 61 months reviewed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score of 763 exceeds guideline requirement of 660 for up to 70% CLTV<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 40.33% is below guideline requirement of 50% |
| 305068463 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide Lender QM determination. (No compliance Report or ATR worksheet in the file). | 3/30/2026 Received Mavent report supporting lender ATR/QM status as Safe Harbor. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30,0x60,0x90 in the past 61 months reviewed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score of 763 exceeds guideline requirement of 660 for up to 70% CLTV<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 40.33% is below guideline requirement of 50% |
| 305068464 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 47%, below max DTI of 50%<br>CFCFS2860: Good credit history<br> - Clayton Comments: No major derogs or 30 day or more lates on credit in over 6 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No lates on mortgage history since inception of over 4 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines at 758 with a max score of 640<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Applicant has been on his current job for more than 10 years |
| 305068465 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 38.23%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 43.84%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 736. |
| 305068466 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 44.508%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 80.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 703. |
| 305068467 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 72.01% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 47.15%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 725. |
| 305068468 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $4,732, 4.62 months reserves, no reserves required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.90% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 55.65%; guidelines allow 90%. |
| 305068469 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 732 exceeds minimum required 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.72 is below maximum DTI 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 63% is below maximum 90% |
| 305068470 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 315 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 48 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of over 8 years. 2 year work history required. |
| 305068471 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2302 | Missing Required Income Documentation | No | Missing current pay stubs and W2 verifying base pay. | 4/1/2026 Received current paystub and 2023/2025 W2's | 4/1/2026 Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| 305068472 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.47% CLTV with a 90% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 score exceeds 680 minimum required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.62% DTI with a 50% max allowed. |
| 305068473 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 23 % LTV below guideline requirements Max 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence - 33 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 Credit score exceeds guidelines Min 640 |
| 305068474 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | The Notary's signature, date, and stamp are missing from the mortgage. | 3.23.2023 - Notary status received | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The Max DTI is 50%. The DTI on this transaction is 39.30%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min Credit Score is 660. The Borrower's Representative Credit Score is 696.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The Max CLTV is 90%. CLTV on this transaction is 67.79% |
| 305068475 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 713 exceeds 640 minimum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 41 months reviewed.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Total $991/month in revolving debt paid off. |
| 305068476 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 31+ years at present job<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have45 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 727 mid score > min required of 640 |
| 305068477 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 48.78% DTI below guideline requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 692 exceeds 680 program minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at the subject for 13 years. |
| 305068478 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing Final CD hand signed by the borrower at closing | 3.27.2026 - Executed Final CD received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has maintained current job for 28+ years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.88%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 700 is 20 points above minimum program requirement of 680. |
| 305068479 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit score 743 exceeds guideline minimum of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 44.39% is below guideline max of 50%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified mortgage 0x30 in the past 56 months, guidelines require 0x30 in last 12 and no more than 1x 30 in past 24 months. |
| 305068480 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 39 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 Credit score exceeds guidelines of 640. |
| 305068481 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR3028 | Flood Certificate has incorrect or incomplete data | No | Flood Cert provided dated 2/4/26 has computer printed issues. Missing information. | 3/30/2026 Received legible copy of flood cert. Supports property not in a flood zone. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.94% is lower than max allowed 50%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B1 has worked for current employer since 7/17/17.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 752 exceeds minimum FICO requirement of 660 (70% CLTV).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 66.94% is lower than max allowed 90%. |
| 305068482 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.12%; guidelines allow 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 349 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 808 is 128 points above minimum program requirement of 680.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 1.10%. |
| 305068483 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verfied DTI 40.22 is below guideline maximum of 50%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 57 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 645 exceeds minimum of 640 |
| 305068484 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 738 FICO score. Minimum required 640.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has retained successful employment working as a Supervisor for 21 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments. |
| 305068485 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A B C | A | A B | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Please provide Affiliated Business Disclosure | 3.23.2026 - ABD provided | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 45.62% below program max 50%.<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Borrower works in communication industry as a Senior Tech which affords a path to higher future earnings.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer for 30 years. |
| 305068485 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A B C | A | A B | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Borrower's spouse did not sign the mortgage. | 3/23/2026 Received copy of Deed of Trust and Riders confirming spouse signature is present | 3/23/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 45.62% below program max 50%.<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Borrower works in communication industry as a Senior Tech which affords a path to higher future earnings.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer for 30 years. |
| 305068486 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrowers paid off $47,917 in revolving debt, has no remaining balance in revolving or open 30 debt after closing.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have occupied the subject for over 30 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 credit score exceeds program 640 Minimum |
| 305068487 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 687 exceeds minimum required of 640 for up to 60% CLTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24 years at primary residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 37.65% is below guideline maximum 50%. |
| 305068488 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing evidence of B1 legal residency. 1003 indicated Permanent Resident Alien however no documentation located to validate. | 3/30/2026 Received front and back copy of Green card. Resident Alien status verified. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 88.57% is below max LTV of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 756 FICO score. Minimum required 680. |
| 305068489 | XXXXXX | XXXXXX | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 793 > 640 minimum requirement.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower earns additional bonus and other income not used in qualifying.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower`s DTI 37.43% is below guideline 45%. |
| 305068490 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: fired in error.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 45.26% is below Guidelines 50% maximum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30 in past 49 months verified exceeds Guidelines 0x30 in past 12 months requirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min Credit Score is 640 for up to 60% CLTV. The Borrower's Credit Score is 717. |
| 305068491 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Borrower's Interest | Active B | CMPBI5573 | MN Borrower's Interest-Missing Borrower-Signed TNB form or statement | No | Missing Borrower signed Net Tangible Benefits disclosure. Borrower has tangible net benefit from refinance. Reduced monthly loan payments by $778 with a balance of $11,476. As well as payoff "Charge Off" account of $9047 | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.28%. Guideline maximum is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 61.56% is 8.44% below the 70% CLTV allowed.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower with current employer > #26 years |
| 305068492 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements |
| 305068493 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have25 months mortgage payment history 0x30, guidelines require 0x30 in last 12 months and no more than 1x30 in 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 668 mid score exceeds min required of 640 for up to 60% CLTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 9 years at current residence. |
| 305068494 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 32 years at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.28% DTI max DTI 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 FICO score exceeds guidelines 660. |
| 305068495 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years in current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 28 years and 2 months in current profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 734 exceeds min credit score required of 660. |
| 305068496 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score has been met at 620, Rep 768 score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.66 below max 90 |
| 305068497 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.894% CLTV below 90% allowable max<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Current second and $62066 in debt paid off through closing, consolidating debt and lowering monthly obligations.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years in current home |
| 305068498 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 79.69% less than max CLTV 90%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x greater than 99 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 mid score > min required of 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.14 lower than max 50% DTI. |
| 305068499 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 14 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.45% DTI below guideline requirement of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 672 exceeds the guideline program minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have80+ months mortgage payment history 0x30. |
| 305068500 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 52 months mortgage payment history 0x30<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9+ years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 727 mid score > min required of 640 |
| 305068501 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 17%; guidelines allow 90%. |
| 305068502 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at their current residence for 8 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 684. Minimum required 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 79.70%. Max 90% |
| 305068503 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 11.10 %; guidelines allow 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 24+ years at present job |
| 305068504 | XXXXXX | XXXXXX | XXXXXX | NJ | ATR Risk: Non-QM - Lender did not document all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The borrower minimum fico score 713 exceeds the minimum fico of 640<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 22 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for 22 years |
| 305068505 | XXXXXX | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 150 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 18.86%; guidelines allow 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has82 months mortgage payment history 0x30. |
| 305068506 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 105 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 55 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 793 > min required score of 680. |
| 305068507 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: $50,973.68 total debt reduction<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 51 mos. reviewed 0X30,60,90,days. Exceeds min 24 mos. review.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 78.97%; guidelines allow 90%. |
| 305068508 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 19 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years at current residence<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 11 years at current job |
| 305068509 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | ATR Pending | 3/26/2026 Received supporting documentation from lender + review of guidelines were sufficient to satisfy exception. | 4/1/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years at primary residence<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Monthly debt reduction of $1040.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 45.12% is below guideline maximum 50%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have83 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 22+ years at present job |
| 305068509 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | Loan originator is listed on Note and Mortgage as XXXXXX. NMLS Consumer access lists loan originator name as XXXXXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years at primary residence<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Monthly debt reduction of $1040.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 45.12% is below guideline maximum 50%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have83 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 22+ years at present job |
| 305068509 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing P&L statement covering period 1/1/25-12/31/25. | 3/26/2026 Received supporting documentation from lender + review of guidelines were sufficient to satisfy exception. | 4/1/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years at primary residence<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Monthly debt reduction of $1040.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 45.12% is below guideline maximum 50%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have83 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 22+ years at present job |
| 305068509 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Credit | Income/Employment | Satisfied D A | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No | Missing Balance sheet for period 1/1/25-12/31/25. | 3/26/2026 Received supporting documentation from lender + review of guidelines were sufficient to satisfy exception. | 4/1/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years at primary residence<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Monthly debt reduction of $1040.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 45.12% is below guideline maximum 50%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have83 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 22+ years at present job |
| 305068510 | XXXXXX | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Primary Borrower has an excellent mortgage payment history with 82 months reviewed reporting 0 late payments.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.31% is below max LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 770 FICO score. Minimum required 720. |
| 305068512 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 719. Minimum required 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: HCLTV 69.70%. Max 90% |
| 305068513 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero tolerance fail for $120.50. Lock in fee increased to 262.50 and property condition report increased to $48.00 on final CD 3/3/26. No COC provided disclosing increase in fees. Please provide either COC or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 4.1.2026 Lender provided COC for increase to discount points. | 4.2.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 49.39%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 42.55% is below guideline maximum 50%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have151 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 mid score > min required of 680 |
| 305068514 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305068515 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing Verbal Verification dated within tolerance. VOE dated 02/04/2026 is greater than 10 days from Note date 02/23/2026. | 3/30/2026 Received VVOE for B1. Supports current active employment with employer used to qualify. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job 13 years, 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.41%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 29.46% is below guideline maximum 50%. |
| 305068515 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing Verbal Verification dated within tolerance. VOE dated 02/04/2026 is greater than 10 days from Note date 02/23/2026. | 3/30/2026 Received VVOE for B1. Supports current active employment with employer used to qualify. | 3/20/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job 13 years, 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.41%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 29.46% is below guideline maximum 50%. |
| 305068516 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.17%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 mid score > min required of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years at primary residence |
| 305068517 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 28.81% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 14.79 CLTV 49.016%; guidelines allow 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 44 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 132 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 mid score > min required of 648<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 14.32%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11+ years at present job |
| 305068518 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico 742 exceeds 640 Fico requirement<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.71% below LTV/HCLTV requirement of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36 months mortgage history no 0x30 lates exceeds 24 month requirement<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.63 DTI below 50% qualifying threshold. |
| 305068519 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 47.10 is below guideline requirement of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified LTV 24.823 is below guideline of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 688 exceeds guideline of 640 |
| 305068520 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 58 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10+ years with same employer.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10+ years in the same residence. |
| 305068521 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 26 years at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 84.98% is below max LTV of 90%. |
| 305068522 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 680. Approved FICO is 804.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 31.68%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 55.85%. |
| 305068523 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 692 > is above guideline minimum credit score 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years. |
| 305068524 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 36.5 is below guideline max of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 685 exceeds guideline minimum of 640<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30 mortgage lates in the last 24 months |
| 305068525 | XXXXXX | XXXXXX | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 64.60%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 706.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 40.20%. |
| 305068526 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 81.39 LTV below max 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.39 below 50 max |
| 305068527 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing proof that the XXXXXX HELOC has been paid to future draws. | 3/24/2026 Received fully executed closure letter for XXXXXX HELOC. | 3/24/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 20 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.01% DTI with a 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.14% CLTV with a 90% max allowed. |
| 305068527 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that theXXXXXX has been paid to future draws. | 3/24/2026 Received fully executed closure letter forXXXXXX. | 3/24/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 20 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.01% DTI with a 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.14% CLTV with a 90% max allowed. |
| 305068528 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: HCLTV 59.14%. Max 90%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 15 years |
| 305068529 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 38 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 FICO exceeds minimum 680 |
| 305068530 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 729.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 47.96%. |
| 305068531 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 716 exceeds the guideline program minimum of 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.35% DTI below guideline requirement of 50%. |
| 305068532 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Monthly payments are lowered by $656.75 with paying off debts at the time of closing.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0 x 30 history on mortgage loans |
| 305068533 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower 10 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years at current job. |
| 305068534 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 10 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 792. Minimum required 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 79.24%. Max 90%. |
| 305068535 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Per the credit report, there have been no late payments in 218 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO Score meets G/L Min 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV - MAX 90% Currently 13.82% |
| 305068536 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have81 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 56.34 below max 90%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 2 has 28+ years at present job. |
| 305068537 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.01% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 77.48%; guidelines allow MAX 90%. |
| 305068538 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been at her current position for over nine years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at current residence for over nine years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower's qualifying score of 696 exceeds minimum guideline requirement of 640 |
| 305068539 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 779 > min. requirement of 640<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at subject for over 31 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0 x 30 credit history, no late payment history ever |
| 305068540 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have54 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 45%; guidelines allow 90% |
| 305068541 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.31 below 50 Max<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years at current residence |
| 305068542 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 767 > min required score of 680.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 417 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 5 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 79 months > max permitted of 0 X 30 X 24 months. |
| 305068543 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 mid score > min required of 680.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have50 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.10%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guidelines allow 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 28 years. |
| 305068544 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing B2 pay stub and most recent W2 or Written VOE. No income docs in file for B2. 2. Missing B2 Verbal Verification of employment dated within guideline tolerances. | 3/30/2026 Received pay stub and 2025/2024 W2's. Earnings used to qualify supported. Received VVOE for B2. Validates active employment with employer used to qualify. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower #1 has been at their current position 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The qualifying credit score of 764 exceeds the minimum guideline requirement of 680.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been at there current employer for 17 years |
| 305068544 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing B2 Verbal Verification of employment dated within guideline tolerances. | 3/30/2026 Received VVOE for B2. Validates active employment with employer used to qualify. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower #1 has been at their current position 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The qualifying credit score of 764 exceeds the minimum guideline requirement of 680.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been at there current employer for 17 years |
| 305068544 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing B2 pay stub and most recent W2 or Written VOE. No income docs in file for B2. | 3/30/2026 Received pay stub and 2025/2024 W2's. Earnings used to qualify suported. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower #1 has been at their current position 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The qualifying credit score of 764 exceeds the minimum guideline requirement of 680.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been at there current employer for 17 years |
| 305068545 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Federal Consumer Protection | Active B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | Middle name vs no middle name. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 51 months with 0x30 mortgage payment history exceeds guideline required 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 Credit score exceeds guidelines of 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 9 years, 3 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 14 years 1 month. |
| 305068546 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 813 greater than minimum 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x218 months |
| 305068547 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 735. Minimum required 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at their current residence for 14 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been at their current job over 16 years |
| 305068548 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 credit score; 680 minimum required FICO<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 18 years in the same profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the subject property 5 years |
| 305068549 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 703 exceeds min score requirement of 680.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 50 months. |
| 305068550 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 18 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 221 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 lowest score > min required of 680.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.46% |
| 305068552 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 813 exceeds the guideline program minimum of 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 47 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 6 years. |
| 305068553 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 47.90% DTI below guideline requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 698 exceeds the guideline program minimum of 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 5.01% LTV below guideline requirements of 90% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 60 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |
| 305068554 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.40% DTI max DTI 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 670 FICO score exceeds guidelines 640 |
| 305068555 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 54.58%, guidelines allow 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 40 months mortgage payment history 0x30<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at primary residence |
| 305068556 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.83% is below max LTV of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 767 FICO score. Minimum required 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.28% is below max DTI of 50%. |
| 305068557 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.37% is below Guidelines 50% maximum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 9 years at primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Score of 759 exceeds Guidelines minimum required of 680 for up to 90% CLTV. |
| 305068558 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 647 exceeds program minimum of 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject residence for 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: HLTV of 37% is well below the guideline requirement max of 90% |
| 305068559 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 73 months on time payment no 0x30 exceeds 24 month guideline requirement<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 46.26 DTI below 50% guideline line requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 Fico > 680 Guideline requirement |
| 305068560 | XXXXXX | XXXXXX | XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years in subject property<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates. |
| 305068561 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 60 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 730 > min required score of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 56 months > max permitted of 0 X 30 X 24 months. |
| 305068562 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30, 60 ,90 days. Paid as agreed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 51%; guidelines allow 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 40.79% is below guideline maximum 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at primary residence |
| 305068563 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 26+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 19.40% is below guideline maximum 50%. |
| 305068564 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 mid score > min required of 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 31.231%; guidelines allow 90%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 for 61 months. |
| 305068565 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 70%. Approved CLTV is 64.73%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 695. |
| 305068566 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years current residence time |
| 305068567 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6+ years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 77.67%; guidelines allow 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have96 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 213 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 640 |
| 305068568 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV Max 90%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower shows a good credit history with no lates<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Low DTI Max 50% |
| 305068569 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Has been in home for 40 years<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: paying off revolving/installment debt in the amt. of $48,049.53 |
| 305068570 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 29.17 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the subject property 10 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 credit score; 640 minimum required FICO |
| 305068571 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Income/Employment | Active B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide VVOE dated within 10 business days of closing. (The WVOE is dated 2/2. Note date is 2/21/2026). | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 728 greater than minimum 640<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x30, 0x60, 0x90 in #115 Months. |
| 305068572 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 mid score > min required of 640<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 18+ years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 72.63%; guidelines allow 90%. |
| 305068573 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score 738 exceeds min 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 42.45% below max 50%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0 x 30 in 82 months |
| 305068574 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) B | A | A B | A | A | Credit | Income/Employment | Active B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | The Work#/VOE documents for qualifying income from XXXXXX are dated for 2/3/2026 which is not within 10 business days of the closing/note date of 2/27/2026 as required by guidelines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 18+ years at present job<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers has69 months mortgage payment history 0x30. |
| 305068575 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 mid score > min required of 680<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 307 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.73%; guidelines allow 90%. |
| 305068576 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Repayment Ability | Active B | CMPSTRA1501 | MN Home Loan - Repayment Ability Worksheet dated after Trans Date | No | Mavent is source of ATR worksheet, used date of document in file | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 812 mid score > min required of 640 |
| 305068577 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.77% DTI less than guideline max requirement of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 FICO > 620 minimum guideline requirement<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12+ years at present job.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 49 months mortgage payment history 0x30. |
| 305068578 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.64% CLTV < max permitted of 90%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CB has been with current employer for more than 19 years. |
| 305068579 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 17+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 mid score > min required of 640<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 36 months mortgage payment history 0x30 |
| 305068580 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The CLTV of 59.77% is well below the 90% Max .<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for over 25 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 698 FICO score. Minimum required 640. |
| 305068581 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 Credit score exceeds guidelines of 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 14 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 25 years, 11 month. |
| 305068582 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.22%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 820 Fico exceeds product minimum 680<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have65 months mortgage payment history 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 34+ years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 15.95/51.06 below product maximum 90% LTV |
| 305068583 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower credit score of 777 exceeds the minimum required of 640<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 33 months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for over seven years |
| 305068584 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 755. Minimum score required 755.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at their current residence for 6 years |
| 305068585 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 59 months verified of 0x30 0x60 and 0x90 day lates.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV and CLTV 9.59/69.73 below maximum requirement of 90/70%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 38.48% less than 50% maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers cash back offers 5months PITI reserves. Reserves not required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: qualifying fico 667 exceeds minimum 620 fico requirement |
| 305068586 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV 70%. Transaction CLTV 62.42<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.6 Max DTI 50% |
| 305068587 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 739 exceeds minimum required of 680.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Debt reduction in the amount of $1,523.00/month.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.58% DTI is below 50% guideline requirement<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years at current job |
| 305068588 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 37.71% is 52.29% below the 90% CLTV allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 778.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6 years 1 month at current job. |
| 305068589 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 684 mid score > min required of 640<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12+ years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV/HCLTV 79.43%, guidelines allow 90% |
| 305068590 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x30, 0x60, 0x90 in #315 Months. Credit ratio 24.42%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 710 greater than minimum 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guidelines 37.07%. is < max allowable of 50% |
| 305068591 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 46.59% CLTV with a 90% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.66% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 678 score exceeds 640 minimum required. |
| 305068592 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | State Consumer Protection | Active B | CMPSTCP4383 | MI Home Loan - No Evidence that Michigan Home Loan Toolkit was delivered to the borrower | No | Missing Michigan Home Loan Toolkit or evidence of delivery. Please provide missing document or other evidence of delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 792 exceeds the guideline program minimum of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.19% DTI below guideline requirement of 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 25 years |
| 305068593 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has an excellent mortgage payment history with 60 months reviewed reporting 0 X30,60,90 days<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has retained stable employment with current employer for 22 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 757 FICO score. Minimum required 640 |
| 305068594 | XXXXXX | XXXXXX | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score of 785 exceeds the 720 credit score minimum on investment property<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58% LTV is below the 75% max allowed for investment properties<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Both borrowers have been employed in the tech field for over 8 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,659.57 > min required reserves of $0 |
| 305068595 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.79% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.31% is below the guideline maximum of 50%. |
| 305068596 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: significant total monthly debt reduction- paid off consumer debt at closing. Savings $1621 Monthly<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0 x 30 in 82 months |
| 305068597 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.75 CLTV. Max 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 43 years in home<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.51 Back end DTI. 50% Max |
| 305068598 | XXXXXX | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Transaction paid off $42,800.00 in consumer debt<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has a 95 month satisfactory mortgage history<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum CLTV is 50%, subject's CLTV is 24.77% |
| 305068599 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Federal Consumer Protection | Active B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | The individual loan originator on mortgage documents (note, DOT and 1003) is XXXXXX, NMLSR ID# 2046448 however, the NMLS Consumer Access portal reflects the name of XXXXXX for the referenced ID#. Able to tie name to loan originator. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in current job for 33 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 75.87%; guidelines allow 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 mid score > min required of 640<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have49 months of current mortgage payment history 0x30,60,90 days. Exceeds min. review requirement of 24 mos. |
| 305068600 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower is 0 x30 on recent mortgage history. Last late was 9/2019.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84% HLTV below 90% program maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 credit score exceeds program minimum of 640 |
| 305068601 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 in 26 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0 x 30 in 82 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.244% CLTV below 90% CLTV threshold |
| 305068602 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | XXXXXX reporting on credit. Missing mortgage statement, taxes, and insurance. | 3/30/2026 Received copy of 1st lien statement. Verifies payment of $1,675.77 is PITI payment. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 9 years 4 months at same/current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years in same residence<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 24 months positive payments 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.36% below product guideline max 50% |
| 305068603 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 80 months > max permitted of 0 X 30 X 24 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years at subject property |
| 305068604 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Right of Rescission | Active B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years in current home<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7 years 9 months current employer |
| 305068605 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR169 | Appraisal includes one or more issue(s) | No | AVM dated XXXXXX photo with XXXXXX value is not photo of the subject property, per the PCR. AVM photo appears to be a ground floor business with possible living units on upper floors with PCR reflecting subject as SFR. | 3/30/2026 Received corrected AVM with photos between AVM and PCR now matching. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower HTLTV is at 76.045% which is less than the max allowed of 90%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has been in current profession for more than 14 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 791 exceeds min guideline of 680. |
| 305068606 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 17.27%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 29 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 mid score > min required of 640 |
| 305068607 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 mid score > min required of 640<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has 13 months mortgage payment history 0x30 with cur. mtg. and 24 months 0x30 with previous mtg.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 reflected for all credit types |
| 305068608 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | 2024/2025 form W-2's provided are blank. Provide updated copies showing all income. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 13.47% LTV; Max is 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 rep score; 640 minimum |
| 305068609 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.44% HCLTV; 90% maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 credit score; 680 minimum required FICO<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 17.08 years in the same profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the subject property 10 years |
| 305068610 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years at primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 27+ years at present job<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have85 months mortgage payment history 0x30. |
| 305068612 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 21.98%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 74.65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 770. |
| 305068613 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with same employer for 10 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score of 727 exceeds 640 program minimum<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at subject for 29 years. |
| 305068615 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x30 mortgage payment history<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the subject property 10 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has over 7 years in the same profession |
| 305068616 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence / over 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 773 exceeds guidelines minimum 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 in 25 months reviewed, guidelines required ox30 in past 12 months and no more than 1 x 30 in past 24 months. |
| 305068617 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing borrower permission letter to freeze and close HELOC paid off at close | 3/30/2026 Received closure letter for HELOC. | 3/20/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9+ years at present job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years at primary residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 32.88%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 mid score > min required of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 18.39%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 99 months. |
| 305068618 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 30 years<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Debt payoffs totaling $70,480.88, result in debt reduction of $1,790/month<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit reflects oldest tradeline 9/21/2000, reporting 0x30 |
| 305068619 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Additional documented commission income not used in qualifying.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has significant time at current residence of 11 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.44% is below Guideline 50% maximum.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has significant time in profession of 15 years and 9 months. |
| 305068620 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | A | A D C | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Clayton status ATR/QM: Status Pending due to missing asset documentation to support the funds required to close. | 3/30/2026 Received Post close CD that reflects $174.25 to borrower therefore no asset verification required. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has retain stable employment as Executive Director for 7 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has occupied and owned subject property for 10 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments. |
| 305068620 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | A | A D C | A | A D | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Missing bank statements documenting sufficient funds to close. | 3/30/2026 Received Post close CD that reflects $174.25 to borrower therefore no asset verification required. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has retain stable employment as Executive Director for 7 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has occupied and owned subject property for 10 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments. |
| 305068621 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have lived at their current residence for 30 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been at their current job over 30 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 701. Minimum score required 680 |
| 305068622 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence- over 20 years<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Significant total monthly debt reduction - paid off $21,661 in open debt<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 28% LTV below guideline requirements Max 90% |
| 305068623 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 43 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 722 exceeds the guideline program minimum of 680.<br>CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: Borrower's previous housing payment, PITI and 2nd and 3rd mortgages, was $2,207.32. Borrower's new payment with paying off the 2 mortgage into the one CES loan is $2376.99. |
| 305068624 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Borrower has owned and resided in the subject property for 35 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50.85% is below max LTV of 60%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 695 FICO score. Minimum required 640. |
| 305068625 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 79 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.06%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 mid score > min required of 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 61.74%; guidelines allow 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 346 months. |
| 305068626 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with employer for 11 years 7 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current residence for 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 695 FICO score exceeds guidelines by 55 points |
| 305068627 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing fully executed HELOC closure letter. Letter located in file signed by borrowers does not reflect who the closure letter was intended for or an account number. | 3/30/2026 Received fully executed HELOC closure letter. | 3/20/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 45.47 is below the max DTI 50%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has excellent credit history no derogatory accounts or lates.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 31.18 which is below max 70% |
| 305068627 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing fully executed HELOC closure letter. Letter located in file signed by borrowers does not reflect who the closure letter was intended for or an account number. | 3/30/2026 Received fully executed HELOC closure letter. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 45.47 is below the max DTI 50%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has excellent credit history no derogatory accounts or lates.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 31.18 which is below max 70% |
| 305068628 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 82 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 56 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 696 > min required score of 640. |
| 305068629 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.577%; guidelines allow 90%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 40 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.48% DTI below guideline requirement of 50%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 24 months. |
| 305068630 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have50 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 90%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 32.93%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 717 mid score > min required of 680 |
| 305068631 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 796 exceeds minimum credit score required 660 for CLTV up to 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 12 years at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 in past 50 months reviewed. Guidelines require 0x30 in last 12 months and no more than 1x30 in past 24 months. |
| 305068632 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at their current residence for 49 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 56.51%. Max 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 761. Minimum required 640 |
| 305068633 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 40.763% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 mid score > min required of 640<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 38%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 121 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 72.20%; guidelines allow 90%. |
| 305068634 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 70% is below the 90% CLTV limit.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: borrowers have resided at current residence for 24 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score of 734 is greater than the 640 program minimum |
| 305068635 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 41.31%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 60%. Approved CLTV is 45.54%. |
| 305068636 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 773 exceeds minimum required 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.476% is below maximum allowed 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 83.561% is below maximum allowed 90%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No late payments in the past 24 months |
| 305068637 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Significant total monthly debt reduction of $858/month paid off.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived 9 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.34%is below Max allowed of 50% |
| 305068638 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Repayment Ability | Active B | CMPSTRA119 | OH CSPA - No lender analysis of repayment ability in file | No | Ohio - No lender analysis of repayment ability in file | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| 305068639 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | O & E title search is partially illegible | 3/30/2026 Received legible copy of O&E. | 3/20/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 620 Minimum required; Rep score 771<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 57%; Max LTV 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.87% DTI; maximum allowed 50% |
| 305068640 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 mid score > min required of 640<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20 years at current job |
| 305068641 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Payoff of accounts with monthly payments totaling $1,887. New payment for 2nd mortgage is fixed $1,008.43.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 on all credit besides $450 collection.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 mortgage history since 12/19/2002. Min. review is 24 mos. |
| 305068642 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC3274 | Mortgage/Deed in file is incomplete | No | Mortgage 2/9/2026 missing pages 2-5 | 3.25.2026 - All pages to Mortgage received. | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years at primary residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 28.51% is below guideline maximum 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11 years, 7 months at present job |
| 305068643 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 741. Minimum score per program is 680.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 18 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 29.19% is below guideline maximum 50%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have55 months mortgage payment history 0x30. |
| 305068644 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico 741 > 640 requirement<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 10.06/25.23% less than 90% requirement<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 47 months positive payment history 0x30<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9+ years in current residence |
| 305068645 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 30 years with current employer<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years with current employer<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks |
| 305068646 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued and confirmed 3 days prior to consummation date. | 4.3.2026 - ICD received | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 58 months reviewed, guidelines require 0x30 in last 12 and no more than 1x30 in last 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 726 exceeds minimum 660 for up to 70% CLTV.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.63% is below guideline 50% maximum. |
| 305068646 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued and confirmed 3 days prior to consummation date. | 4.3.2026 - ICD received | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 58 months reviewed, guidelines require 0x30 in last 12 and no more than 1x30 in last 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 726 exceeds minimum 660 for up to 70% CLTV.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.63% is below guideline 50% maximum. |
| 305068646 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD issued and confirmed 3 days prior to consummation date. | 4.3.2026 - ICD received | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 58 months reviewed, guidelines require 0x30 in last 12 and no more than 1x30 in last 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 726 exceeds minimum 660 for up to 70% CLTV.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.63% is below guideline 50% maximum. |
| 305068647 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x30, 0x60, 0x90 in #279 Months. Credit ratio 41.06%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 766 / 774 greater than minimum 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Low DTI: 39.320. Maximum is 50% |
| 305068648 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof initial CD was received by borrower 3 days before consummation date of 2/23/2026 | 4.1.2026 - Rebuttal states Please clear condition as loan did not disbursed until 2/27/26, please see attached CD with disbursement date. Disagree- Transaction date 2.23.2026 per Notary date. Initial CD required to be acknowledged 3 days prior to 2.23.2026. Missing Initial CD.4.3.2026 - Initial CD provided | 4.1.2026 - Exception remains4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in subject for 30 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 47.63, below 50% |
| 305068649 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | HCO list not provided in loan documents | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CTV is 84%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 46% is below guideline maximum 50% |
| 305068651 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the program 90% LTV maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score of 672 exceeds program minimum of 640<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has mortgage history of 0 x30 |
| 305068652 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | A | A B | A | A B | Compliance | Federal Consumer Protection | Active B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | Loan originator name is XXXXXX on 1003 and is listed as XXXXXX with NMLS. Able to tie name to Originator | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have75 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 45.15%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 640<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years at primary residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 37.39% is below guideline maximum 50%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 10.01% |
| 305068653 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied 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 Mavent ATR/QM status determination. | 4/13/2026 Received satisfactory copy of Mavent report reflects RP | 4/14/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 84.68%, guidelines allow 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 mid score >min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI is 42.41%, is below guideline maximum of 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at primary residence |
| 305068653 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | O&E title search is partially illegible | 4/1/2026 Received legible copy of title report. | 4/1/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 84.68%, guidelines allow 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 mid score >min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI is 42.41%, is below guideline maximum of 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at primary residence |
| 305068654 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 36.43% DTI. Max allowed 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has a good Credit history |
| 305068655 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | C | A C | C | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) | No | Missing inspection post FEMA disaster #4632, declared 12/21/2021 / Severe Storm and Flooding | 4/1/26 Received rebuttal citing PCR previously provided. PCR provided satisfies exception. | 4/1/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has no late mortgage payment showing on credit report.<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Bonus income had large increase from 2024 to 2025. |
| 305068656 | XXXXXX | XXXXXX | XXXXXX | SD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 for 57 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 mid score > min required of 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.20% is below guideline maximum 50%. |
| 305068657 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 43.423%; guidelines allow 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 790. Minimum score per program is 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have51 months mortgage payment history 0x30. Product only requires a 24 month history. |
| 305068658 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 719/minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 46.80%/ maximum 50% |
| 305068659 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Right of Rescission | Active B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Please provide the correct ROR for a same lender refinance. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 score exceeds 680 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.59% CLTV with a 90% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.12% DTI with a 50% max allowed. |
| 305068661 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 7+ years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 129 months with 0x30 mortgage payment history exceeds guideline required 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 682 FICO score. Minimum required 680. |
| 305068662 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 fico score exceeds guidelines of 640 |
| 305068663 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been self employed at the same company over 30 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been at their current job over 11 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have lived at their current residence for 21 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 682. Minimum score required 640 |
| 305068664 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Ability to Repay/Qualified Mortgage | Active B | CMPATRQM4645 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender's status determination is not in file | No | Lender to provide ATR/QM Status Doc. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at primary residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 54.845%; guidelines allow 90%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have127 months mortgage payment history 0x30 |
| 305068664 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | Loan Officer listed under full name XXXXXX on NMLS. Middle name (XXXXXX) not included on 1003. Lic # matches. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at primary residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 54.845%; guidelines allow 90%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have127 months mortgage payment history 0x30 |
| 305068664 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date on final CD2/19/2026, is 03/05/2026 which is prior to the end of statutory rescission period. End is 03/04/2026. | 3.26.2026 - Final ALTA with DD of 3.5.2026 received | 3.26.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at primary residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 54.845%; guidelines allow 90%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have127 months mortgage payment history 0x30 |
| 305068665 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 59 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 44.37% is below guideline maximum 50%. |
| 305068666 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned and resided in subject property as a primary residence for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 703 FICO score. Minimum required 640<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has an excellent mortgage payment history with 81 months reviewed reporting 0 X30,60,90 days |
| 305068667 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12 yrs 5 mo's at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 28 years in home. |
| 305068668 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Subject has solar panels with UCC filing per title provided. Per guidelines subject is ineligible if: Financed and collateralized solar panels (i.e., solar panels financed as personal property for which a UCC filing appears on real property records) Provide proof of payoff and release of UCC filing. | 3/30/2026 Received copy of Solar agreement with paragraph highlighted to indicate the UCC filing is for the equipment alone. Guidelines do not allow an active UCC filing regardless of that paragraph. Proof that the financing has been paid in full and proof that the UCC filing has been released is required.3/31/2026 Received same documentation as on 3/30/2026 above, which includes evidence of UCC filing against property. Per guidelines, this is not permitted. 4/9/2026 Lender provided satisfactory documentation to support UCC filing is for non-fixture purpose and has no effect on lien position against property. | 3/30/2026 Exception remains.4/1/2026 Exception remains. 4/9/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.72% is below guideline requirement of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements of 25.35% / 90%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 9 years and 10 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines: 730> 640 min |
| 305068669 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 303 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 85 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 711 > min required score of 620. |
| 305068670 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.457%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 701 is 41 points above minimum program requirement of 660. |
| 305068671 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min qualifying score is 680, qualifying score is 738<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%, transaction DTI is 47.55%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been in the same job for 14 years<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage reports 30 month history with 0 late payments |
| 305068672 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 30 years at primary residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 0x 30 in past 24 months. Guidelines require 0x30 in 12 months and max 1x30 in 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 mid score exceeds minimum required of 680 |
| 305068673 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score 680 / borrower's credit score is 721<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 23 years in current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 19 years at current residence. |
| 305068674 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 64 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 791 > min required score of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 137 months > max permitted of 0 X 30 X 12 months. |
| 305068675 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 35 months mortgage payment history 0x30, guidelines require 0x30 in last 12 and no more than 1x30 in 24.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 mid score > min required of 640 for CLTV of up to 60%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years at primary residence |
| 305068676 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 64.70%. MAx 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 665. Minimum required 660<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have lived at their current residence for 49 years |
| 305068677 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.49% DTI with a 50% max allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 26.8 years and 19.8 years time in profession. |
| 305068678 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.20% is below Guidelines 50% maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 794 exceeds 680 minimum.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in current profession of 18 years. |
| 305068679 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds the minimum required score of 640. Score is 684<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on current job for 21 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Applicant has lived at current home for 20 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Applicant has a good credit history with no major derogatory accounts and now past due accounts. Bills paid current on on time with no 30 or more date lates within the past 82 months<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No major derogs in the last 2 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below max of 50%. DTI at 36/42% |
| 305068680 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 28 years at primary residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 756 mid score > min required of 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 30+ years at present job. |
| 305068681 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 score exceeds min required of 680 for up to 90% CLTV/HCLTV<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has 0x30, 0x60,0x90 for past 24 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 20 years at current residence. |
| 305068682 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | B | B A C | B | B A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Missing evidence of sufficient homeowners coverage at time of disbursement (2/25/26). Policy provided reflects effective date of 2/25/26. | 4/1/2026 Insurance policy provided reflecting coverage in place at time of disbursement. | 4/1/2026 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence over 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.93% CLTV < max permitted of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: All debts being paid off with this cash out refinance. |
| 305068682 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | B | B A C | B | B A | Property Valuations | FEMA | Active B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Missing inspection post FEMA disaster #4699, declared 4/3/2023 / Severe Winter Storm, Straight-Line Winds, Flooding, Landslides, and Mudslides | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence over 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.93% CLTV < max permitted of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: All debts being paid off with this cash out refinance. |
| 305068683 | XXXXXX | XXXXXX | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7+ years at present job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.42% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid score > min required of 640<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 264 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.70%; guidelines allow 90%. |
| 305068684 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.25% CLTV with a 90% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 score exceeds 680 minimum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2018 per CR. |
| 305068685 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 65.66%; guidelines allow 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 676 mid score > min required of 640<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has been in same profession for 22 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 29.54% is below guideline maximum 50%. |
| 305068686 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 50.92%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 44.99% is 5.01% below the 50% allowed.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.56%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 mid score > min required of 680 |
| 305068687 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Compliance | State Consumer Protection | Satisfied C A | CMPSTCP1299 | RI Home Loan-Prohibited Acts of Lenders & Loan Brokers Disc (Home Loan), Not Signed by Borr. | No | RI Home Loan-Prohibited Acts of Lenders & Loan Brokers Disc (Home Loan), Not Signed by Borr. | 3.25.2026 - Executed RI disclosure provided | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 mid score > min required of 640<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 16+ years at present job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at primary residence |
| 305068687 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | A | A D | A | A D | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP1311 | RI Home Loan-Prohibited Acts of Lenders & Loan Brokers Disc (High Cost), Not Signed by Borr | No | RI Home Loan-Prohibited Acts of Lenders & Loan Brokers Disc (High Cost), Not Signed by Borr | 3.25.2026 - Executed RI disclosure provided | 3.25.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 mid score > min required of 640<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 16+ years at present job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at primary residence |
| 305068688 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 810 exceeds 680 minimum required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines 0.19%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.29% is below Guidelines 50% maximum. |
| 305068689 | XXXXXX | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Potential other owned property noted. Mortgage with XXXXXX closed 11/1/25. Opened 6/6/14, limit $176,280. Does not show on Data Verify MERS or property detail report. | 4/1/2026 Received rebuttal citing closed loan + no properties listed on fraud reports. Clayton accepts and exception is satisfied. | 4/1/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 699 exceeds minimum required of 640 (50% LTV).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 39.852% is lower than max allowed 65%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been at current company since 1/21/19. |
| 305068689 | XXXXXX | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Title | Satisfied C A | CRDTIL100 | Potential title issue | No | Pages 4-6 of title report are not fully legible. | 3/30/2026 Received legible copy of O&E. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 699 exceeds minimum required of 640 (50% LTV).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 39.852% is lower than max allowed 65%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been at current company since 1/21/19. |
| 305068690 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 64.84 is lower than max allowed 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since August 2021.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 33.92 is lower than max allowed 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 733 exceeds required FICO of 660 (CLTV 70%). |
| 305068691 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9+ years at present job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 47.40% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 671 mid score > min required of 640 |
| 305068692 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Federal Consumer Protection | Active B | CMPFDCP3206 | NMLS License verification found Loan Originator Name does not match ID | No | Names does not match. Name listed on the loan application XXXXXX, name on the NMLS website XXXXXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid score > min required of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 58%; guidelines allow 90%. |
| 305068693 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 82 months > max permitted of 0 X 30 X 24months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 175 months > max permitted of xx X 30 X 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 696 > min required score of 660. |
| 305068694 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 mid score > min required of 640<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23+ years at current residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have125 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.72%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 45.90% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 19.10%; guidelines allow 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 24 months. |
| 305068695 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.92% CLTV-Max is 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: rep score is 711 - minimum required 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years 9 months at current job. |
| 305068696 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is verified 79.98% is below guideline requirement of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 748 exceeds guideline minimum of 640 |
| 305068697 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | O & E title search is partially illegible | 3/30/2026 Received a fully legible copy of the O&E report. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job- over 32 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55$ LTV below guideline requirements Max LTV 90%<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Additional documented income not used in qualifying- Bonus Income $720.84 |
| 305068698 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 18.37% is below guideline maximum 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years at primary residence |
| 305068700 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305068701 | XXXXXX | XXXXXX | XXXXXX | MO | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 691 mid score > min required of 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have50 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 37+ years at present job. |
| 305068702 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A C | Compliance | Federal Consumer Protection | Satisfied C A | CMPFDCP3206 | NMLS License verification found Loan Originator Name does not match ID | No | MLO name on NMLS is XXXXXX, there are no aliases on record Need the middle name added to loan application | 3/30/2026 Received updated 1003 reflects full loan officer name as reflected in NMLS registry. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.95%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 89.78% is below max LTV of 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 44.20% is below guideline maximum 50%. |
| 305068703 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 67.99% is less than max allowed 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since initial mortgage on credit report opened June 2003.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 689 exceeds required FICO of 660. |
| 305068704 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | A | A B C | A | A B | Compliance | Federal Consumer Protection | Active B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | The 1003 has the Loan Originator Name as XXXXXX. The NMLS has the Loan Originator Name as XXXXXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 34.98% is below guideline maximum 50%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have83 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 13 years 1 month at current job. |
| 305068704 | XXXXXX | XXXXXX | XXXXXX | KS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | A | A B C | A | A B | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing documentation in the file to support the Pension income of $3,778.00 monthly. | 3/30/2026 Received copy of pension benefit letter. Supports $3,778 used to qualify. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 34.98% is below guideline maximum 50%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have83 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 13 years 1 month at current job. |
| 305068705 | XXXXXX | XXXXXX | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 24.72; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 mid score > min required of 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,526,668.27 / 491.37 months PITIA > min required of $18,641.87. |
| 305068706 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 107 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 41.61% is below guideline maximum 50%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 24 years at present job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 mid score > min required of 640<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have135 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 18.88% |
| 305068707 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 769. Minimum score required 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 55.10%. Max 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower have been at their current residence for 10 years |
| 305068709 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.14% LTV, guidelines allow 90%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit HISTORY |
| 305068710 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is below the guideline requirements.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower's score exceeds guideline requirements. |
| 305068711 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 42.98% is 7.02% below the 50% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 mid score > min required of 680<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 8 years 8 months in profession. |
| 305068712 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Repayment Ability | Active B | CMPSTRA119 | OH CSPA - No lender analysis of repayment ability in file | No | Please provide lender analysis of repayment ability in file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 mid score exceeds min required of 680 for up to 90% HCTLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 38.60% is below guideline maximum 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 30 years at current job |
| 305068713 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Right of Rescission | Satisfied B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | 4.2.2026 - LOX, proof of delivery and new NORTCs received | 4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 mid score > min required of 640.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have49 months mortgage payment history 0x30,60,90 days. Paid as agreed<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 23.46%; guidelines allow 90%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 81 months. |
| 305068713 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation. | No | 10% tolerance fail for $4.50. Recording fees increased from $45 to $54 on final CD. No COC provided disclosing increase in fee. Please provide either COC or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 4.3.2026 - Cure provided | 4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 mid score > min required of 640.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have49 months mortgage payment history 0x30,60,90 days. Paid as agreed<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 23.46%; guidelines allow 90%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 81 months. |
| 305068714 | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has retained stable employment with current employer for 36 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned and occupied subject property as primary residence for 19 years. |
| 305068715 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 45.26% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 mid score > min required of 680<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 27+ years at present job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24 years 2 months at primary residence |
| 305068716 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 81.44% CLTV < max permitted of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 mid score > min required of 680<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have45 months mortgage payment history 0x30. |
| 305068717 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 reported mortgages on credit report since January 2015.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 776 exceeds minimum 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 72% is lower than max allowed 90%. |
| 305068718 | XXXXXX | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 46.45%; guidelines allow 90%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 35.5 years at present job<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 9.44%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 mid score > min required of 620 |
| 305068719 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 mid score exceeds min required of 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have65 months mortgage payment history 0x30. Guidelines require 0x30 in past 12 months. |
| 305068720 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 credit score exceeds program 640 minimum required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been with same employer since 2019.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: HLTV of 53% is below the program maximum of 90% |
| 305068721 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for CD 2/9/26. | 3.25.2026 - Rebuttal states CD not required to be signed which this is correct however it is required to be acknowledged/viewed by borrower 3 days prior to consummation. Please provide disclosure tracking summary reflecting when borrower viewed CD 2.9.20263.27.2026 - Disclosure tracking received | 3.25.2026 - Exception remains3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 46.71%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 66.365%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 804. |
| 305068722 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 68.18% is 21.82% below the 90% CLTV allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid credit score 695 > 640 required minimum |
| 305068723 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 35.14%. Max 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 675. Minimum score required 640 |
| 305068724 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with credit utilization of accounts of only 25%, no major derogs<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 741 exceeds requirement 680.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit utilization is only 25%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reports 64 mos. 0x30 and 24 mos. 0x30 and exceed requirement 0x30 in last 12 mos. and no more than 1x30 ion last 24 mos. |
| 305068725 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 10 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 18 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 103 months with 0x30 mortgage payment history exceeds guideline required 12 months. |
| 305068726 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Pension - Missing evidence of continuation. | 4/14/2026 Received copy of SSI award letter. This does not satisfy requirement for verification of continuance of pension income. 4/15/2026 Received copy of retirement pay stub. Supports pension used to qualify. | 4/14/2026 Exception remains.4/15/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit reflects 77 mos 0x30, minimum required is 12 mos 0 lates and minimum 1x30 in 12 mos<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%, transaction DTI is 33.35%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%, transaction CLTV is 74.24%. |
| 305068727 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job - Over 13 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV max is 90% - Current CLTV is 41%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 Credit score exceeds guidelines of 640 |
| 305068728 | XXXXXX | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 50 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 14 years and 6 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 773 exceeds minimum required of 680 |
| 305068729 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: HLTV is 72.46%, below the 90% program maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 credit score exceeds minimum of 640<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have occupied subject for 15 years |
| 305068730 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 764. Minimum score required 640<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at their current residence over 11 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80.20%. Max 90% |
| 305068731 | XXXXXX | XXXXXX | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score of 797 is above the program minimum of 720 for an investment property<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 36% HLTV is below the 75% program maximum<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: both borrowers are in high paying fields |
| 305068732 | XXXXXX | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 13+ years at current employer<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 26 months mortgage payment history 0x30<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24+ years at primary residence |
| 305068733 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower's DTI 43.22% is below guidelines maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.60%; guidelines allow 90.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid score > min required of 680.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 57 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $3,775.18 or 3.53 months PITIA > min required $0. |
| 305068734 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 64.50%; guidelines allow 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current primary residence for 420 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 798 is 138 points above minimum program requirement of 660.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 244 months. |
| 305068735 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have56 months mortgage payment history 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years at primary residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 61%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 mid score > min required of 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 48.90% is below guideline maximum 50%. |
| 305068736 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Excellent Credit history. No Mortgage lates nor any major derogatory reportings.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.48% is below the max DTI of 50%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit utilization is only 8.98%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 774 exceeds guideline requirement 680. |
| 305068737 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 81.578% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 49.37% DTI < max permitted of 50% |
| 305068738 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: OT and other income not used to qualify<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 661 fico score exceeds guidelines 640<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years at current residence |
| 305068739 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 24.54 is below guideline max of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score of 815 exceeds credit score minimum of 640<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30 mortgage lates payments in the past 55 months |
| 305068740 | XXXXXX | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in current residence for 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers HTLTV of 44.015% is less than the max allowed of 60%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 658 above minimum requirement 640. |
| 305068741 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 34.06% is below guideline maximum 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years at primary residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.72%; guidelines allow 80%. |
| 305068742 | XXXXXX | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing 3rd party documentation for the property located at XXXXXX for verification of the PITI. | 3/31/2026 Received cert of no HOA for XXXXXX. | 3/31/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 808 is 168 points above the 640 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The CLTV is 49.02% and guidelines allow the CLTV to be 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for 23 years. |
| 305068744 | XXXXXX | XXXXXX | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.93 is below Guideline's 50% maximum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30, 0x60,0x90 with 47 months reviewed on current mortgage.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reduced consumer debt by $957/month by paying it off with this transaction. |
| 305068745 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.37% is below max LTV of 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.95% is below max DTI of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 714 FICO score. Minimum required 680. |
| 305068746 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 82 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 46.36% DTI below guideline requirement of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV/HCLTV 41.46%/76.06% below guideline requirement 90%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 30 years and 2 months. |
| 305068747 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 46.79% is below max DTI of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 721 FICO score. Minimum required 680.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| 305068748 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 11.07%; guidelines allow 90%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 82 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 31% |
| 305068749 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Need the XXXXXX statement or 2025 1099 in file showing $5442.26 monthly income / $65307.12 annual. | 4/13/2026 RE: Item #1: Received pension statement confirming $5,442.26/mo. | 4/21/26 satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have53 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 53.626%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 mid score > min required of 640 |
| 305068749 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Need the XXXXXX statement or 2025 1099 in file showing $5442.26 monthly income / $65307.12 annual | 4/6/2026 Received Bona Fide Discount. Does not apply to this exception.4/13/2026 Received statement reflecting $5,442.26/mo income | 4/6/2026 Exception remains.4/14/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have53 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 53.626%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 mid score > min required of 640 |
| 305068750 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 694. Minimum score required 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70.06%. Max 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have lived at their current residence for 19 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been at their current job over 26 years |
| 305068751 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 34+ years at present job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at primary residence |
| 305068752 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 48 months > max permitted of 00 X 30 X 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 760 > min required score of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has over 8 years on with current employer. |
| 305068753 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x30, 0x60, 0x90 in #31 Months. Credit ratio 30.56%. Borrower is an Authorized user. No abuse of revolving debt<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 784 greater than minimum 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Low DTI 21.47%. |
| 305068754 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence - 5 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 25 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.91 % LTV below guideline requirements Max 70% |
| 305068755 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 59.11% is lower than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 692 exceeds minimum of 640<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0X30 since 1/31/14. |
| 305068756 | XXXXXX | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage is only 28%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history 45 mos. 0x30 exceeds guidelines requirement 0x30 in last 12 and no more than 1x30 in last 24 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score exceeds guidelines with a score of 712 with a max 640 |
| 305068757 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.03%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.50% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > min required of 680. |
| 305068758 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR discloses a midnight date of 2-27-26, . Final CD 2-23-26 discloses disbursement date of 2-27-26, the Loan disbursed before end of rescission period. | 3.27.2026 - Corrected CD with DD 3.2.2026 and Final ALTA confirmation received | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.156% is below guideline maximum 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 28 years at primary residence |
| 305068759 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 706. Minimum required 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 75.27%. Max 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current residence. |
| 305068760 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 29.88% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.67% CLTV is below max allowable of 90% per guides |
| 305068761 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x30, 0x60, 0x90 in #24 Months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 724 greater than minimum 640 |
| 305068762 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have60 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 mid score > min required of 640<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Did not use bonus income for B1<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years at primary residence |
| 305068763 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0X30 since August 2020.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 711 exceeds minimum required 680.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paid off accounts with monthly payments totaling $1150/mo. New payment of $673.59/mo. Total decrease of $476.41/mo. |
| 305068764 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 742. Minimum score required 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been at their current job over 28 years<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Please cancel. Picked the wrong one<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at their current residence for 23 years |
| 305068765 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Missing assets to close to cover $1242.29 from most recent CD issued 03/16/26. Provide 1 month current statement to support required funds to close. Any large deposits must be explained and documented. | 4/7/2026 Received (5) copies of the Post Closing CD reflecting slightly lower amount required from borrower to close of $1,177.22. Required asset(s) verification(s) to support this updated amount were not provided. 4/21/2026 Received bank statement to support funds to close. | 4/8/2026 Exception remains. 4/9/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 fico score exceeds guidelines 640<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12 years at current job |
| 305068765 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2304 | Unverified Assets | No | Missing assets to close to cover $1242.29 from most recent CD issued 03/16/26. Provide 1 month current statement to support required funds to close. Any large deposits must be explained and documented. | 4/7/2026 Received (5) copies of the Post Closing CD reflecting slightly lower amount required from borrower to close of $1,177.22. Required asset(s) verification(s) to support this updated amount were not provided. 4/21/2026 Received bank statement to support funds to close. | 4/8/2026 Exception remains 4/21/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 fico score exceeds guidelines 640<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12 years at current job |
| 305068766 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.46% DTI with a 50% max allowed.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 44 years 3 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 score exceeds 680 minimum. |
| 305068767 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrower is using cash out for debt consolidation which results in a significant monthly debt reduction.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has not had any lates on the mortgage payment history. |
| 305068768 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305068769 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the subject property 25 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 16.5 years in the same profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x62 mortgage payment history |
| 305068770 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum required: 640; 755 credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV is 90%; LTV is 63%. |
| 305068771 | XXXXXX | XXXXXX | XXXXXX | AK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 32.30% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 64.02%; guidelines allow 90%. |
| 305068772 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing initial CD | 3.27.2026 Lender provided Initial CD | 3.30.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Borrower's DTI is 39%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. The CLTV on this transaction is 33%. |
| 305068772 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial Cd. | 3.27.2026 Lender provided Initial CD | 3.30.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Borrower's DTI is 39%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. The CLTV on this transaction is 33%. |
| 305068773 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has retained stable employment with current employer for 17 years 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 74.99% is below max CLTV of 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments. |
| 305068774 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.86% CLTV with a 90% max allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 11 years time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years time at current residence. |
| 305068775 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 mid score > min required of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 18.45%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30. |
| 305068776 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at their current residence for 11 years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The borrower's credit score of 706 exceeds minimum required of 640<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 706 FICO score. Minimum required 680. |
| 305068777 | XXXXXX | XXXXXX | XXXXXX | FL | ATR Risk: Non-QM - Lender did not document all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 62.23% is below max LTV of 70%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good housing history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: CASH OUT FOR reserves |
| 305068778 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 720 exceeds 660 minimum for up to 70% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.17% is below Guidelines 50% maximum.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has 27 years with current employer. |
| 305068779 | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 27 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 697 fico score exceeds guidelines 640 |
| 305068780 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | Right of Rescission | Active B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | ROR H8 used in error on a same lender refi. H9 needed/redisclosed within 60 days of discovery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 39.64% is below max LTV of 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned and occupied subject property as primary residence for 28 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 696 FICO score. Minimum required 640. |
| 305068781 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.90%; guidelines allow 60%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 41 years at primary residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has 0X30 for 24+ months<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has 18 years with employer as substitute para earning $33.754 per hour. |
| 305068782 | XXXXXX | XXXXXX | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 25+ years at present job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20+ years at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 46 months mortgage payment history 0x30. |
| 305068783 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 5 years 6 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 9 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Co borrower has significant time in profession, 20 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x29. |
| 305068784 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at their current residence for 12 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 801. Minimum score required 680 |
| 305068785 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing fully executed closure letter for HELOC paid with subject loan proceeds. Letter signed by borrower in file is not complete. Lender name and loan number the letter was intended for is blank. | 3/30/2026 Received fully executed HELOC closure letter. | 3/20/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines with a score of 752 vs the max 640<br>CFCFS2860: Good credit history<br> - Clayton Comments: Applicant has excellent credit history<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No major derogatory accounts within the last two years. |
| 305068785 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Right of Rescission | Active B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Lender used H8 ROR form for a lender to lender refinance. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines with a score of 752 vs the max 640<br>CFCFS2860: Good credit history<br> - Clayton Comments: Applicant has excellent credit history<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No major derogatory accounts within the last two years. |
| 305068785 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing fully executed closure letter for HELOC paid with subject loan proceeds. Letter signed by borrower in file is not complete. Lender name and loan number the letter was intended for is blank. | 3/30/2026 Received fully executed HELOC closure letter. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines with a score of 752 vs the max 640<br>CFCFS2860: Good credit history<br> - Clayton Comments: Applicant has excellent credit history<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No major derogatory accounts within the last two years. |
| 305068786 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 21+ years at present job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 47.26% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 48.39%; guidelines allow 90%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-Borrower has been in same profession for 21+ years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 mid score > min required of 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23+ years at primary residence<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ .05% |
| 305068787 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been in same profession for 28 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 32 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years at primary residence. |
| 305068788 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 20.88%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 7.77 LTV < maximum LTV of 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30+ years at current residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 55 months mortgage payment history 0x30. |
| 305068789 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21% dti Max dti 50% |
| 305068790 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 21.22/74.79% LTV/CLTV < program maximum of 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.11% DTI < program maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 811 fico > program minimum of 640. |
| 305068791 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower's qualifying credit score of 712 exceeds minimum guideline requirement of 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been at their current employer for 13 years |
| 305068792 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | A | A D C | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Clayton status of ATR/QM Status Pending is due to missing income documentation to support the Overtime income used in the DTI calculation. | 3/23/2026 Received pay stub dated 12/13/2025 reflecting overtime that, averaged of 11.5 months, equals $588.17/mo and exceeds OT used to qualify of $563.74. | 3/23/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 37 years 8 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 67.54%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 mid score > min required of 640 |
| 305068792 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | A | A D C | A | A D | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing documentation in file to support the Overtime paid in 2025 used to calculate the monthly OT income stated on the 1003. | 3/23/2026 Received pay stub dated 12/13/2025 reflecting overtime that, averaged of 11.5 months, equals $588.17/mo and exceeds OT used to qualify of $563.74 | 3/23/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 37 years 8 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 67.54%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 mid score > min required of 640 |
| 305068793 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 779 > min required score of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 44 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower on same job for over 14 years. 2 year employment history required. |
| 305068794 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: HLTV of 34% is below the program maximum LTV of 90%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: First mortgage is 0 x 30 for 51 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 712 exceeds the program minimum of 640. |
| 305068795 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.26% CLTV with a 90% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.05% DTI with a 50% max allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 years time in profession. |
| 305068796 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 45.31% below program max 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence 28 years. |
| 305068797 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client status is QM Safe Harbor APOR; Clayton status is QM: Rebuttable Presumption (APOR) is due to Test APR 9.304%, 01/07/2026 benchmark rate is 5.880%, variance is 3.424%, max variance allowed is 1.5000% | 3.31.2026 - QM Excludable Bona Fide Discount Point Calculation provided however still failing.Client status is QM Safe Harbor APOR; Clayton status is QM: Rebuttable Presumption (APOR) is due to Test APR 9.304%, 01/07/2026 benchmark rate is 5.880%, variance is 3.424%, max variance allowed is 1.5000% | 3.31.2026 - Exception remains 4.1.2026 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have45 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 46.47% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 mid score > min required of 680. |
| 305068797 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | Federal Higher-Priced | Satisfied C A | CMPFDHP2061 | Federal higher-priced mortgage loan; no evidence escrow account was established at closing. | No | Client status is QM Safe Harbor APOR; Clayton status is QM: Rebuttable Presumption (APOR) is due to Test APR 9.304%, 01/07/2026 benchmark rate is 5.880%, variance is 3.424%, max variance allowed is 1.5000% | 3.31.2026 - QM Excludable Bona Fide Discount Point Calculation provided however still failing.Client status is QM Safe Harbor APOR; Clayton status is QM: Rebuttable Presumption (APOR) is due to Test APR 9.304%, 01/07/2026 benchmark rate is 5.880%, variance is 3.424%, max variance allowed is 1.5000% | 3.31.2026 - Exception remains 4.1.2026 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have45 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 46.47% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 mid score > min required of 680. |
| 305068798 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 649 FICO score. Minimum required 640. |
| 305068799 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 26 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceed guidelines of 640, which is 684<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 82 mos. 0x30. |
| 305068800 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 mid score > min required of 680 |
| 305068801 | XXXXXX | XXXXXX | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 mid score > min required of 640.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.88% is below guideline maximum 50%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 15 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 12 months. |
| 305068802 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower did not have any lates on any mortgage related accounts within the past two years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 30 years. |
| 305068803 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 2x30, 0x60, 0x90 in #218 Months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower with current employer > #5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 710 / 702 greater than minimum 680 |
| 305068804 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 24.94% is below guideline maximum 50%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 18.13%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 mid score > min required of 680. |
| 305068805 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 score exceeds minimum required of 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 41 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 43.76% is below guideline maximum 50%. |
| 305068806 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84.73 below max 90<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 36 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 mid score > min required of 680 |
| 305068807 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing Written VOE referenced on Income calculation worksheet. Reviewer unable to calculate earnings. Only VVOE's located in file. | 3/27/2026 Received WVOI referenced in AUS. Earnings used to qualify supported. | 3/27/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 709 > min required score of 640.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 113 months > max permitted of 0 X 30 X 24 months. |
| 305068807 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing Written VOE referenced on Income calculation worksheet. Reviewer unable to calculate earnings. Only VVOE's located in file. | 3/27/2026 Received WVOI referenced in AUS. Earnings used to qualify supported. | 3/27/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 709 > min required score of 640.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 113 months > max permitted of 0 X 30 X 24 months. |
| 305068808 | XXXXXX | XXXXXX | XXXXXX | LA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score exceeds min required of 680 for CLTV of up to 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.54% is below Guidelines 50% maximum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have46 months mortgage payment history 0x30, 0x60,0x90. Guidelines require 0x30 in last 12 months and no more than 1x30 in 24 months. |
| 305068809 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years at primary residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 26 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 26 years at present job<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have45 months of current mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 36.94%; guidelines allow 70%. |
| 305068810 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 mid score > min required of 640<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21 years at primary residence<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.00%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.56%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.55% is below guideline maximum 50%. |
| 305068811 | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x 30, 0x60, 0x90 in 36 months, guidelines require 0x30 in last 12 months and 1x 30 in 24.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 30+ years at present job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived 20 years at primary residence |
| 305068812 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing SSA award letter or other satisfactory documentation to support $700/mo. income used to qualify. | 3/30/2026 Received updated 1008 removing SS income to qualify. Debt to income w/o SS earnings still meets loan parameters. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 44.358%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 45.370% is below guideline maximum 50%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have62 months mortgage payment history 0x30. |
| 305068812 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing SSA award letter or other satisfactory documentation to support $700/mo. income used to qualify. | 3/30/2026 Received updated 1008 removing SS income to qualify. Debt to income w/o SS earnings still meets loan parameters. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 44.358%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 45.370% is below guideline maximum 50%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have62 months mortgage payment history 0x30. |
| 305068814 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: HLTV 41.14%. Max 70%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have lived at their current residence over 8 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been self employed over 12 years |
| 305068815 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 23 years<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 7.07%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 674 mid score > min required of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65.78%; guidelines allow 90%.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1 earnings not utilized to qualify. Compensating Factor only.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co Borrower has 12 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence |
| 305068816 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 27.56%/maximum 50%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment is good with no derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 704/minimum 640 |
| 305068817 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 for 24 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 48.810%; guidelines allow 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years at primary residence. |
| 305068818 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 mid score > min required of 640<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 17 years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 54.65%; guidelines allow 90%. |
| 305068819 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 13 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 16 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 56.10%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 681 mid score > min required of 680 |
| 305068820 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 13.85%; guidelines allow 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30. |
| 305068821 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations missing | 3.23.2026 - HCO provided | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 mid score > min required of 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.21% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 13.25% CLTV < max permitted of 90% |
| 305068822 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 20+ years at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has live 8 years at current residence<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 49 months reviewed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds 680 minimum required. |
| 305068823 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 mid score > min required of 640.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 29 years at primary residence. |
| 305068824 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 738 exceeds the guideline program minimum of 680.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 30 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |
| 305068825 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 19 years and 11 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; been in line of work to 8 years and 11 month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 23.85% below program maximum 90.00%. |
| 305068826 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 27 years at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 663 mid score exceeds guidelines min required of 640. |
| 305068827 | XXXXXX | XXXXXX | XXXXXX | NM | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 48.45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 696.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV is 90%. Approved LTV is 15.58%. |
| 305068828 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employe for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.20% CLTV < max permitted of 60%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.62% DTI < max permitted of 50% |
| 305068829 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years at primary residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 24.77%; guidelines allow 90%. |
| 305068830 | XXXXXX | XXXXXX | XXXXXX | IN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 2 has significant time at current job- 10 + years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 45.07% is below guideline maximum 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at primary residence |
| 305068832 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum Score is 640. Borrower's Representative Score is 687<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. The Borrower's DTI is 45% |
| 305068833 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence / subject 37 years<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Low LTV / HCLTV 14.599 / 45.603. Below product maximum HCLTV 60%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 658 greater than minimum 640 |
| 305068834 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Credit reflects oldest tradeline 6/10/2019, reporting 0x30<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30x30 mortgage payment history.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 6.5 years with current employer |
| 305068835 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL225 | Missing Rider | No | Per 1004 appraisal, property is a detached PUD, but Deed of Trust is missing required PUD rider. | 4.15.2026 - LOX, and DOR with PUD rider received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 7.39%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 mid score > min required of 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 58.61%; guidelines allow 90%. |
| 305068836 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.05%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21+ years at current residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have77 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 33.87% CLTV 83.13%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 21% is below guideline maximum 50%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 220 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 640 |
| 305068837 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrower paid off significant amount of debt at closing with this reifnance<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 mid score > min required of 640<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 for 48 months. |
| 305068838 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have29 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 mid score > min required of 640. |
| 305068839 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 34+ years at present job<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 800 mid score > min required of 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.51% is below guideline maximum 50%. |
| 305068840 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 768. Minimum required 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.90%. Max 50% |
| 305068841 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 17 years in home<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV 90%. CLTV 68.28 |
| 305068842 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 13 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 723 exceeds the guideline program minimum of 680.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 51 months. |
| 305068843 | XXXXXX | XXXXXX | XXXXXX | ME | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 757 exceeds min score requirement of 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 8 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 45 months. |
| 305068844 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3952 | TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established | No | Final CD dated 03/04/2026- Projected Payments reflects "Some" of the Homeowner's Insurance is included in Escrow, however, Loan Disclosures reflects the borrower "will not have an escrow account". | 3.31.2026 - LOX and corrected CD received | 3.31.2026 - Exception satisfied | Non-Numeric | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 204 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 68.90%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 719 is 59 points above minimum program requirement of 660. |
| 305068844 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5831 | TRID - CD: In the Taxes, Insurance & Assessments section at least one est. amount has Yes or Some for In Escrow, but the Will Not Have an Escrow Account box is checked in Loan Disclosures | No | Final CD dated 03/04/2026- Projected Payments reflects "Some" of the Homeowner's Insurance is included in Escrow, however, Loan Disclosures reflects the borrower "will not have an escrow account". | 3.31.2026 - LOX and corrected CD received | 3.31.2026 - Exception satisfied | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers has 0x30 for 204 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 68.90%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 719 is 59 points above minimum program requirement of 660. |
| 305068845 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 mid score > min required of 640<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Primary borrower has 39 years at present job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 41.54%; guidelines allow 90%. |
| 305068846 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing the title report | 4/13/2026 Received satisfactory property report | 4/14/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any mortgage lates on credit and has not had any mortgage lates nor major mortgage related occurrences during the past two years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 726 exceeds the guideline program minimum of 680.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrower is paying off and consolidating debt and significantly lowering overall monthly payments. |
| 305068847 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has 11 years with current employer.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 787 exceeds minimum required of 660 for up to 70% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 21.61% is below Guideline 50% maximum. |
| 305068848 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Profit and loss statements are not required, per FNMA, this is not a requirement. | 4/1/2026 Rebuttal received citing document not required. Clayton concurs exception should have been cancelled prior to finalizing review. | 4/2/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 58.38%; guidelines allow 90%. |
| 305068849 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: The borrowers paid off $74,911.11 or $2,557.00/mo. in consumer debts with the subject transaction.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 57.35%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 661 mid score > min required of 640 |
| 305068850 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 mid score > min required of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 40 years at primary residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 17+ years at present job |
| 305068851 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12 years with current employer.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.37% is below Guidelines maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 809 exceeds minimum requirement of 680. |
| 305068852 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have24 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.99% is < max allowable of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75.349%; guidelines allow 90%. |
| 305068853 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 22.07% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 58.427%; guidelines allow 90%. |
| 305068854 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Right of Rescission | Active B | CMPROR118 | ROR - Disbursement date is on/before disclosed "midnight of" date | No | ROR in file is signed by the borrowers on 02/27/2026 with an expiration date of 03/04/2026. Per Final CD dated 02/26/2026, Disbursement date is 03/04/2026. Disbursement date is before end of statutory rescission period | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 for 40 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 69.358%; guidelines allow 70%. |
| 305068854 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP2057 | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | 3.27.2026 - Housing Counseling Decision Report provided however need actual Cert of Comp or Exemption.4.3.2026 - Cert of comp received | 3.27.2026 - Exception remains4.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 for 40 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 69.358%; guidelines allow 70%. |
| 305068854 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Credit | DTI | Active B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | DTI of 46.97% is over UW DTI of 46.757%. Lender used more income than B4 showed to have since income is variable paid wages. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 for 40 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 69.358%; guidelines allow 70%. |
| 305068855 | XXXXXX | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.92%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 60 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 mid score > min required of 640 |
| 305068856 | XXXXXX | XXXXXX | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 709 exceeds 680 minimum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.78% is below Guideline maximum of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job , over 40 years |
| 305068857 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 20 years in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 692 score exceeds minimum requirement of 680 for up to 90% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.04% is below 50% guideline maximum |
| 305068858 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 667 exceeds required score of 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 49.64 is below maximum 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years 2 months at current job. |
| 305068859 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date of 3/10/26 is before end of statutory rescission period | 4.6.2026 - LOX and PCCD received | 4.6.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 40+ years at present job.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 56 months mortgage payment history 0x30. |
| 305068860 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9 years 7 months with current employer.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8.5 years in current residence<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates |
| 305068861 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | A | A C B | A | A C B | Compliance | Right of Rescission | Active B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Expiration date of 2/24/26 on form prior to end of rescission period | 3.24.2026 - Transaction date and Final CD received on 2.21.2026 earliest expiration date per ROR should be 2.25.2026 rather than 2.24.2026. Reopen Rescission and provide borrower with entire Three (3) Day rescission period | 3.24.2026 - Exception remains | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 46.60% is below 50% maximum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8.5 years at primary residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x 30 in 55 months, Guidelines require 0x30 in past 12 and no more than 1x30 in 24.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 40 years at present job |
| 305068861 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | A | A C B | A | A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date of 2/25/26 is before end of statutory rescission period. | 3.24.2026 - PCCD received with DD 2.26.2026 | 3.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 46.60% is below 50% maximum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8.5 years at primary residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x 30 in 55 months, Guidelines require 0x30 in past 12 and no more than 1x30 in 24.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 40 years at present job |
| 305068862 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0 x 30 in 30 months > min. requirement of 24 mos.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has worked as attorney for over 25 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score of 682 exceeds minimum 640 credit score minimum |
| 305068863 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 11.12% LTV/74.93% CLTV is below guideline requirements<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 8/20/2004, 0x30 in the last 12 months |
| 305068864 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 744 exceeds guidelines 660 minimum for up to 70% CLTV.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines at 0.00%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.83% is below guideline maximum 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years at present job |
| 305068865 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305068866 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have61 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.05% CLTV < max permitted of 90% |
| 305068867 | XXXXXX | XXXXXX | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: William Sold Austin Consulting April 2025 (he was 50% owner), he will receive a salary of $250,000.00 annually for 4 years as an advisor- not using to qualify<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 / 797 mid score > min required of 640 |
| 305068868 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Loan approval in file indicates that 2nd lien is a HELOC (pg9) Provide signed line of credit close out letter. | 3/30/2026 Received fully executed closure letter. | 3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 50%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 mid score > min required of 660 |
| 305068869 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 747 > 640 minimum required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10+ years at current residence. |
| 305068870 | XXXXXX | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Final 1003 indicates borrower has occupied subject property for 6 years and is an investment property. Appraisal confirms it is a SFR. File is missing clarification as well as verification of housing expense for borrower actual primary residence. | 4/2/2026 Received rebuttal from lender stating, in part: "...Since the new primary purchase hadn't closed yet, the property was not included as an REO. To account for the future primary housing expense an installment debt was added as a liability: $458,400 loan with LoanDepot with a $3,744.296/mo payment". While Clayton understands the inclusion as a general liability for DTI calculation purposes, Clayton will require supporting documentation to support the anticipated loan amount and payment, such as the Loan Estimate for the pending transaction. (Review DTI using anticipated figures is 48.75%)4/6/2026 Recieved fully executed CD for refi of 1st. Terms used to qualify validated. | 4/2/2026 Exception remains. 4/6/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV is 75%. Approved LTV is 22.88%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 773.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Documented rental income of $3,700 not used to qualify. |
| 305068871 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing Lender Initial ATR/QM status. Status was not located in file | 3.30.26 ATR/QM designation provided. | 3.30.26 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 709 exceeds minimum required of 680.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has 25 years at current job.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Significant total monthly debt reduction. $1188/month total payments<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 25 years at current residence |
| 305068872 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have54 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 mid score > min required of 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 17.87%; guidelines allow 90%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 24.04% |
| 305068873 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has over 41 years in current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.95% is below Guidelines 50% maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Min Credit Score is 640 for up to 60% CLTV. The Borrower's Representative Score is 823. |
| 305068874 | XXXXXX | XXXXXX | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | Compliance | Documentation | Satisfied D A | CMPDOC3274 | Mortgage/Deed in file is incomplete | No | Deed is missing pages 3 and 6. Please provide a copy with all the pages. | 3.23.2026 - All pages to DOT received | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 32.37% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 mid score > min required of 640. |
| 305068874 | XXXXXX | XXXXXX | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A D | Credit | Legal Documents | Satisfied D A | CRDLGL2864 | Copy of Mortgage/Deed in file is incomplete | No | Deed is missing pages 3 and 6. Please provide a copy with all the pages. | 3.23.2026 - All pages to DOT received | 3.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 32.37% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 mid score > min required of 640. |
| 305068875 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower's middle credit score of 781 exceeds the minimum required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been with his current employer for over 14 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 32 years |
| 305068876 | XXXXXX | XXXXXX | XXXXXX | NV | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | Reviewer calculated DTI 55.36% exceeds program maximum of 50.00%. Total expenses calculated as primary housing $2,135.00 + subject rent loss $1,235.56 + consumer debt $1,397.03 = $4,767.59 / total earnings $8,612.52 = 55.36%. | 4/1/2026: Received rebuttal with lender breakdown of income/debts / DTI calculation. Reviewer revised calculation to utilize market rent for subject property per AVM. DTI result is 44.99% which is in line with lender calculations. | 4/1/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.890% combined LTV is below 75% threshold<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates |
| 305068877 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR in file is signed by the borrowers on 02/19/2026 with an expiration date of 02/23/2026. Per Final CD dated 02/17/2026, Disbursement date is 02/23/2026. Disbursement date is before end of statutory rescission period | 3.27.2026 - PCCD with corrected DD and screen shot of Final ALTA with DD of 2.24.2026 | 3.27.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 score exceeds 680 minimum required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years time in profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.63% CLTV with a 90% max allowed. |
| 305068878 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 26.36% is below Guideline's maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 mid score exceeds min required of 660 for up to 70% CLTV.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 51 months reviewed. |
| 305068879 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing consecutive year federal income tax returns. Guidelines require two years tax returns for self employed borrower when is business <5 years. The Business formed 3/2023 per business verification. | 3/25/2026 Received rebuttal requesting re-review of LLC documentation previously provided. Re-review confirms business in existence > 5 years. Exception satisfied. | 4/1/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have80 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 25+ years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 48.36%; guidelines allow 80%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.7%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 680 |
| 305068879 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Finance Charge Tolerance | Satisfied B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charge on final CD 3/2/26 is understated by $160.00. This was satisfied with PCCD 3/6/26. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have80 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 25+ years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 48.36%; guidelines allow 80%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.7%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 680 |
| 305068879 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | Finance Charge Tolerance | Satisfied B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | Amount financed on final CD 3/2/26 is understated by $160.00. This was satisfied with PCCD 3/6/26. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have80 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 25+ years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 48.36%; guidelines allow 80%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.7%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 680 |
| 305068879 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | Total of payments on PCCD 3/6/26 disclosed as $930604.21. Review calculates total of payments to be $930684.21. Total of payments are different by $80.00. | 3.25.2026 - Rebuttal states $80 Lien search removed from PCCD however the issue is the Settlement fee increased by $160. There is a Lender Credit that possibly could be to cover that amount however it does not match the exact amount of $160 and no explanation of the lender credit in the file.3.26.2026 - Client response- the lender credit is for an increase in fees above the limit allowed by RESPA due to the fact the fees subject to 10% tolerance increased. Would you please review and advise? Thanks.The issue is not a tolerance issue it is a Total of Payments issue $80 Lien search removed from PCCD however the issue is the Settlement fee increased by $160 on the PCCD. 130(b) or (c) cure: refund money to borrower in the amount understated $160, client permission, LOX and redisclosed CD; reopen rescission if the loan is rescindable3.27.2026 - LOX and Settlement statement received | 3.25.2026 - Exception remains3.26.2026 - Exception remains3.27.2026 - Exception satisfied | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have80 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 25+ years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 48.36%; guidelines allow 80%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.7%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 680 |
| 305068879 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing verbal VOE for self employed borrower dated within 30 business days prior to the Note date. | 3/24/2026 Received copy of SOS search supporting B1 company is active however the document from the CA Secretary of State is dated outside 30 day requirement. Note date 3/2/2026 less 30 days is 1/31/2026, document is dated 1/26/2026.3/30/2026 Received current copies of SOS searches supporting B1 companies as active. | 3/24/2026 Exceptions remains.3/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have80 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 25+ years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 48.36%; guidelines allow 80%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.7%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 680 |
| 305068879 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing consecutive year federal income tax returns. Guidelines require two years tax returns for self employed borrower when is business <5 years. The Business formed 3/2023 per business verification. | 3/25/2026 Received rebuttal requesting re-review of LLC documentation previously provided. Re-review confirms business in existence > 5 years. Exception satisfied. | 4/1/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have80 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 25+ years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 48.36%; guidelines allow 80%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.7%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 680 |
| 305068879 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A D B | A | A D B | Credit | Terms/Guidelines | Active B | CRDTER110 | Loan amount exceeds guideline maximum | No | Guides allow max $400K loan amount. Loan closed at $500K per Note. Email in file indicates approved waiver to be provided. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have80 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 25+ years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 48.36%; guidelines allow 80%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.7%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 680 |
| 305068880 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 mid score > min required of 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $4,735.40 in post closing reserves or 1.4 months PITI. 0 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 37.58% CLTV < max permitted of 90% |
| 305068882 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 3/26/1993, reporting 0x30<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 26 years in the same profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned the subject property 7.25 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x53 mortgage payment history |
| 305068883 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | A | A D C | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing verification if 1st lien payment of $5,006.85 includes taxes and insurance. If payment does not include escrow account, additional conditions may apply. | 4/1/2026 Received mortgage statements, insurance policy, tax bills and for multiple properties that are not the subject property. Mavent report previously submitted was also provided. These documents do not satisfy the requirement to confirm if 1st lien mortgage payment of $5,006.85 with LoanDepot.com includes taxes and insurance. | 4/2/2026 Exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 734. |
| 305068883 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | A | A D C | A | A D | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | Missing verification if 1st lien payment of $5,006.85 includes taxes and insurance. If payment does not include escrow account, additional conditions may apply. | 4/1/2026 Received mortgage statements, insurance policy and tax bill for multiple properties that are not the subject property. These documents do not satisfy the requirement to confirm if 1st lien mortgage payment of $5,006.85 with LoanDepot.com includes taxes and insurance. 4/9/2026 Lender provided copy of 1st lien mortgage statement confirming payment of $5,006.85 includes escrow. | 4/2/2026 Exception remains. 4/9/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Minimum FICO is 640. Approved FICO is 734. |
| 305068884 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time of 9 years at current job<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Significant debt reduction of $1906.00 /month.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 751 exceeds minimum required of 680 for up to 90% CLTV. |
| 305068885 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 12 years time in profession.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2019 per CR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.87% CLTV with a 90% max allowed. |
| 305068886 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | B | B A | B | B A | Property Valuations | FEMA | Active B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Missing inspection post FEMA disaster #4769 declared 4/13/2024 | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 mid score > min required of 640<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 10.73%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 80 months. |
| 305069039 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/14/2026. also missing 3/14/2026-2, and CD 3/19/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 696 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 46.47% DTI < maximum permitted of 50% |
| 305069039 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/24/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 696 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 46.47% DTI < maximum permitted of 50% |
| 305069039 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD disclosed on 03/14. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 696 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 46.47% DTI < maximum permitted of 50% |
| 305069041 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/7/2026 | 4.15.2026 - ICD received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.41% CLTV with a max 75% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 score exceeds 720 minimum required.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2020 per CR. |
| 305069041 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/20/2026 | 4.15.2026 - ICD received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.41% CLTV with a max 75% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 score exceeds 720 minimum required.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2020 per CR. |
| 305069041 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD disclosed to borrower on 03/07. | 4.15.2026 - ICD received | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.41% CLTV with a max 75% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 score exceeds 720 minimum required.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2020 per CR. |
| 305069069 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 67.55%; guidelines allow 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.52% DTI < maximum permitted of 50% |
| 305069126 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide CD's 3/11/126, 3/14/26 per COC in file. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 67% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 758 exceeds required FICO of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 8/5/2016. |
| 305069126 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide the missing Initial CD dated 3/11/26. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 67% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 758 exceeds required FICO of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 8/5/2016. |
| 305069126 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide the missing Initial CD dated 3/11/26. | 4.15.2026 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 67% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 758 exceeds required FICO of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 8/5/2016. |
| 305069358 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.07% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.00% is below the guideline maximum of 50%. |
| 305069359 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 46.56/maximum 50%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment is good with no derogatory events<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years at current residence |
| 305069367 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Appear to be missing the Initial LE since we have a COC for changes on LE. | 4.22.2026 - Missing LE provided | 4.22.2026-Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 76.38%; guidelines allow 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 46.49% DTI < maximum permitted of 50% |
| 305069367 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/17 & 3/18. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 76.38%; guidelines allow 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 46.49% DTI < maximum permitted of 50% |
| 305069367 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/23/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 76.38%; guidelines allow 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 46.49% DTI < maximum permitted of 50% |
| 305069367 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide the missing Initial CD dated 3/17. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 76.38%; guidelines allow 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 46.49% DTI < maximum permitted of 50% |
| 305069368 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | State Consumer Protection | Active B | CMPSTCP4385 | MI Home Loan - Cannot determine if MI Home Loan Toolkit was provided in a timely manner | No | MI Home loan toolkit not dated. Unable to confirm provided within 3 days of initial application. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 720. Approved FICO is 785.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 41.714%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 63.03%. |
| 305069368 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 3/10/26 per COC in file. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 720. Approved FICO is 785.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 41.714%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 63.03%. |
| 305069368 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/10/26 per COC in file. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 720. Approved FICO is 785.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 41.714%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 63.03%. |
| 305069368 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/10/26 per COC in file. | 4.9.2026 - Missing CDs and COCs provided | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 720. Approved FICO is 785.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Approved DTI is 41.714%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 63.03%. |
| 305069377 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/11/2026. | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 81.58% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 750 exceeds required FICO of 700. |
| 305069377 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/24/2026 | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 81.58% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 750 exceeds required FICO of 700. |
| 305069377 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD issued 3/11/2026. | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 81.58% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 750 exceeds required FICO of 700. |
| 305069565 | XXXXXX | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: One mortgage late reporting in June 2024. No other late payments noted on credit report spanning back to March 1997.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 732 exceeds required FICO of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 74.99% is less than max allowed 90%. |
| 305069567 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | 50.71% DTI calculated using B2 income of $13,017.24 (paid semi-monthly) (Salaried @ $6,508.62 x 24 / 12)Lender incorrectly calculated income using pay schedule of bi-weekly ($6,508.62 x 26 / 12 = $14,102.01) | 4/7/2026 Received rebuttal from lender stating: "The amount on the 2025 W2 is $14,102. Please waive". The W2 for B2 does not reflect $14,102. The 2025 W2 is not the source doc for calculating current monthly income. Per B2 current pay stub dated 2/27/2026, B2 is salaried @ $6,508.62 x 24 pay periods (semimonthly) / 12 = $13,017.24. Lender incorrectly calculated B2 income using bi-weekly pay periods (26) resulting in a higher income used to qualify. When the DTI is calculated using B2 correct income calculation, the DTI is > 50.71% 4/13/2026 Received verification of B1 income, not previously used. Provided income report and W2. A current pay stub is listed as being provided; however, the document was unable to be opened, due to formatting or corrupted document. Exception can be satisfied upon receipt of legible pay stub for B1. | 4/7/2026 Exception remains. 4/14/2026 Exception satisfied (pending new independent exception for legible pay stub.) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 67.13% is less than max allowed 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 reporting since January 2011.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 779 exceeds required FICO of 680. |
| 305069567 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | (NEW EXCEPTION 4/14/2026) Provide legible copy of B2 current pay stub. | 4/22/2026 Received B2 pay stub. | 4/22/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 67.13% is less than max allowed 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 reporting since January 2011.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 779 exceeds required FICO of 680. |
| 305069619 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing initial CD 3/11/26. | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.49% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 17.14% is below the guideline maximum of 50%. |
| 305069619 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 3/11/26. | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.49% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 17.14% is below the guideline maximum of 50%. |
| 305069619 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide missing initial CD 3/11/26. | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.49% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 17.14% is below the guideline maximum of 50%. |
| 305069619 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 3/11/26. | 4.13.2026 - ICD received | 4.13.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.49% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 17.14% is below the guideline maximum of 50%. |
| 305069620 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 3/15/26 and 3/16/26 per COC in file. | 4.17.2026 - ICD received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.39% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.79% CLTV < max permitted of 90% |
| 305069620 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 3/15/26 per COC in file. | 4.17.2026 - ICD received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.39% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.79% CLTV < max permitted of 90% |
| 305069620 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 3/15/26 per COC in file. | 4.17.2026 - ICD received | 4.17.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.39% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.79% CLTV < max permitted of 90% |
| 305069629 | XXXXXX | XXXXXX | XXXXXX | MS | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 715, guidelines require 700.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reporting to credit is positive. |
| 305069700 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $4,965.00, max allowed is $4,139.00; $826.00 too high). | 4.24.2026 - Undiscounted rate provided | 4.24.2026 - Exception satisifed | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 788 exceeds required FICO of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 3/9/2020.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 50% is less than max allowed 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 16.91% is lower than max allowed 50%. |
| 305069700 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 3/10/26, 3/12/26 and 3/24/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 788 exceeds required FICO of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 3/9/2020.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 50% is less than max allowed 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 16.91% is lower than max allowed 50%. |
| 305069700 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/10/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 788 exceeds required FICO of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 3/9/2020.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 50% is less than max allowed 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 16.91% is lower than max allowed 50%. |
| 305069700 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/10/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 788 exceeds required FICO of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 3/9/2020.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 50% is less than max allowed 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 16.91% is lower than max allowed 50%. |
| 305069701 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 3/10/26. | 4.20.2026 - Missing CDs provided | 4.20.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened May 2021.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 78.92% is less than max allowed 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 708 exceeds required FICO of 700. |
| 305069701 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/10/26. | 4.20.2026 - Missing CDs provided | 4.20.2026-Exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened May 2021.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 78.92% is less than max allowed 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 708 exceeds required FICO of 700. |
| 305069701 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide missing CD's 3/10/26 and 3/20/26. | 4.20.2026 - Missing CDs provided | 4.20.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened May 2021.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 78.92% is less than max allowed 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 708 exceeds required FICO of 700. |
| 305069701 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/10/26. | 4.20.2026 - Missing CDs provided | 4.20.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened May 2021.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 78.92% is less than max allowed 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 708 exceeds required FICO of 700. |
| 305069766 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.21% DTI with a 50% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.28% CLTV with a 70% max allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 30 years time in profession. |
| 305069767 | XXXXXX | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 43.11% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.22% is below the guideline maximum of 50%. |
| 305069770 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide the missing Initial CD dated 3/16/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 749/minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.70%/maximum50%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history with no derogatory events |
| 305069770 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide the missing Initial CD dated 3/16/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 749/minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.70%/maximum50%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history with no derogatory events |
| 305069770 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide the missing Initial CD dated 3/16/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 749/minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.70%/maximum50%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history with no derogatory events |
| 305069771 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/10/2026. also missing CD 3/19/2026 and 3/19/2026- 2 | 4.20.2026 - Missing CDs provided | 4.20.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 82.81%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.90% DTI < maximum permitted of 50% |
| 305069771 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/23/2026 | 4.20.2026 - Missing CDs provided | 4.20.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 82.81%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.90% DTI < maximum permitted of 50% |
| 305069771 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing Initial CD 3/10/2026 and CD 3/19/2026 and CD 3/19/2026-2 | 4.20.2026 - Missing CDs provided | 4.20.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 82.81%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.90% DTI < maximum permitted of 50% |
| 305069771 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD 3/10/2026 | 4.20.2026 - Missing CDs provided | 4.20.2026-Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 82.81%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.90% DTI < maximum permitted of 50% |
| 305069782 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/11. Also missing CD 3/12. | 4.24.2026 - Missing CDs received | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paying off debt with total monthly payments of $1,730. New mortgage is $478/mo. Decrease of monthly payments totaling $1,252.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per 1003, B1 has been owner since 1/4/08. Per license provided, B1 has been licensed in insurance industry since 7/25/07.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 54.71% is less than max allowed 75%. |
| 305069782 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/26/2026 | 4.24.2026 - Missing CDs received | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paying off debt with total monthly payments of $1,730. New mortgage is $478/mo. Decrease of monthly payments totaling $1,252.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per 1003, B1 has been owner since 1/4/08. Per license provided, B1 has been licensed in insurance industry since 7/25/07.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 54.71% is less than max allowed 75%. |
| 305069782 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD dated 3/11. | 4.24.2026 - Missing CDs received | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paying off debt with total monthly payments of $1,730. New mortgage is $478/mo. Decrease of monthly payments totaling $1,252.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per 1003, B1 has been owner since 1/4/08. Per license provided, B1 has been licensed in insurance industry since 7/25/07.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 54.71% is less than max allowed 75%. |
| 305069782 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Credit | Income/Employment | Active B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Evidence of business license activity through XXXXXX is dated 3/12/26. Closing date is 3/23/26. Per Guidelines require, Verification of business within 10 calendar days of closing. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paying off debt with total monthly payments of $1,730. New mortgage is $478/mo. Decrease of monthly payments totaling $1,252.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per 1003, B1 has been owner since 1/4/08. Per license provided, B1 has been licensed in insurance industry since 7/25/07.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 54.71% is less than max allowed 75%. |
| 305069789 | XXXXXX | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 49.42%; guidelines allow 75%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 16 years in the same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 mid score > min required of 700 |
| 305069790 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 66.04%; guidelines allow 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.75% DTI < maximum permitted of 50% |
| 305069839 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/11/2026. | 4.9.2026 - ICD received | 4.9.2026 - Exception satisifed | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x99 months exceeds the max allowed 1x30x24 months. |
| 305069839 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/18/2026 | 4.9.2026 - ICD received | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x99 months exceeds the max allowed 1x30x24 months. |
| 305069839 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide the missing Initial CD dated 3/11/2026. | 4.9.2026 - ICD received | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x99 months exceeds the max allowed 1x30x24 months. |
| 305069839 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD dated 3/11/2026. | 4.9.2026 - ICD received | 4.9.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x99 months exceeds the max allowed 1x30x24 months. |
| 305070012 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/11/2026. also missing CD 3/12/2026 | 4.22.2026 - Missing CDs received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 31 years 1 month at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2009 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.15% DTI with a max 50% allowed. |
| 305070012 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/21/2026 | 4.22.2026 - Missing CDs received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 31 years 1 month at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2009 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.15% DTI with a max 50% allowed. |
| 305070012 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing initial CD 3/11/2026 and subsequent CD 3/12/2026 per Change of Circumstance in file. | 4.22.2026 - Missing CDs received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 31 years 1 month at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2009 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.15% DTI with a max 50% allowed. |
| 305070012 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 3/11/2026 and subsequent CD 3/12/2026 per Change of Circumstance in file. | 4.22.2026 - Missing CDs received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 31 years 1 month at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2009 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.15% DTI with a max 50% allowed. |
| 305070069 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing lenders initial ATR/QM determination. | 4/16/2026 Client provided satisfactory ATR/QM determination. | 4/16/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been on same job for 10 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been living at current primary residence for 10 years. |
| 305070074 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 3/11/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.13% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84.13% CLTV < max permitted of 90% |
| 305070074 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/11/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.13% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84.13% CLTV < max permitted of 90% |
| 305070074 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD 3/11/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.13% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84.13% CLTV < max permitted of 90% |
| 305070074 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/11/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.13% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84.13% CLTV < max permitted of 90% |
| 305070076 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing initial CD 3/16/26 per COC in file. | 4.16.2026 - Missing CD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.94% DTI with a max 50% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 score exceeds 680 minimum required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48% CLTV with a max 90% allowed using AVM/PCI. |
| 305070076 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 3/16/26 per COC in file. | 4.16.2026 - Missing CD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.94% DTI with a max 50% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 score exceeds 680 minimum required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48% CLTV with a max 90% allowed using AVM/PCI. |
| 305070076 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide missing initial CD 3/16/26 per COC in file. | 4.16.2026 - Missing CD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.94% DTI with a max 50% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 score exceeds 680 minimum required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48% CLTV with a max 90% allowed using AVM/PCI. |
| 305070076 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD 3/16/2026 | 4.16.2026 - Missing CD received | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.94% DTI with a max 50% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 score exceeds 680 minimum required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48% CLTV with a max 90% allowed using AVM/PCI. |
| 305070087 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowner's counseling organizations is not dated. Insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.24% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.91% CLTV < max permitted of 90% |
| 305070087 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Right of Rescission | Active B | CMPROR115 | ROR - date changes must be acknowledged/initialed by borrower | No | Expiration date of ROR was changed. This change was not initialed by borrower. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.24% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.91% CLTV < max permitted of 90% |
| 305070532 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/12/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.31% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 81.94% CLTV < max permitted of 85% |
| 305070532 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/21/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.31% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 81.94% CLTV < max permitted of 85% |
| 305070532 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD disclosed 03/12/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.31% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 81.94% CLTV < max permitted of 85% |
| 305070534 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing initial CD 3/17/26 per the COC. | 4.23.206 - ICD received | 4.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.96%; guidelines allow 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 66 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 267 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years at primary residence |
| 305070534 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 3/17/26 per the COC. | 4.23.206 - ICD received | 4.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.96%; guidelines allow 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 66 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 267 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years at primary residence |
| 305070534 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 3/17/26 per the COC. | 4.23.206 - ICD received | 4.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.96%; guidelines allow 90%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 66 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 267 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years at primary residence |
| 305070552 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing initial CD 3/23/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026-Exception satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving credit usage at 11.44% per CR reflects minimal use.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.48% CLTV with a max 85% allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2017 per CR. |
| 305070552 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 3/23/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving credit usage at 11.44% per CR reflects minimal use.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.48% CLTV with a max 85% allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2017 per CR. |
| 305070552 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 3/23/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026-Exception satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving credit usage at 11.44% per CR reflects minimal use.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.48% CLTV with a max 85% allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2017 per CR. |
| 305070963 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | N/A | N/A D C | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Review DTI of 50.22% > maximum permitted of 50.00%. Variance due to 1st lien PITIA payment. Per 3/2/2026 mortgage statement, total PITI is $2,589.25. Lender using payment of $2,539.00 from the credit report resulted in 49.992% DTI. [Note: Review income and debts match the lender figures.] | 4/22/2026 Received 2024 for B1 to support rental income not previously used for investment property. Revised from full PITI expense to loss of ($694.40) which resolved the DTI issue. | 4/22/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 67.07%; guidelines allow 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 mid score > min required of 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11.8 at subject residence. |
| 305070963 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | N/A | N/A D C | N/A | N/A D | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Affiliate Business Disclosure missing in loan file. | 4.15.2026 - ABA provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 67.07%; guidelines allow 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 mid score > min required of 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11.8 at subject residence. |
| 305070963 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | N/A | N/A D C | N/A | N/A D | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | Review DTI of 50.22% > maximum permitted of 50.00%. Variance due to 1st lien PITIA payment. Per 3/2/2026 mortgage statement, total PITI is $2,589.25. Lender using payment of $2,539.00 from the credit report resulted in 49.992% DTI. [Note: Review income and debts match the lender figures.] | 4/22/2026 Received 2024 for B1 to support rental income not previously used for investment property. Revised from full PITI expense to loss of ($694.40) which resolved the DTI issue. | 4/22/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 67.07%; guidelines allow 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 mid score > min required of 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11.8 at subject residence. |
| 305070966 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 2/26/26, 3/11/26, 3/12/26 per COC in file. | 4.20.2026 - Missing CDs provided | 4.20.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 from 2007 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.06% DTI with a 50% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years at current residence. |
| 305070966 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 2/26/26 per COC in file. | 4.20.2026 - Missing CDs provided | 4.20.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 from 2007 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.06% DTI with a 50% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years at current residence. |
| 305070966 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 2/26/26 per COC in file. | 4.20.2026 - Missing CDs provided | 4.20.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 from 2007 per CR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.06% DTI with a 50% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years at current residence. |
| 305070968 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowners counseling organizations not dated. Insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.06% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 45.02% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 mid score > min required of 700 |
| 305070989 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 783 exceeds required FICO of 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since June 2015.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 52.33% is less than max allowed 90%. |
| 305071195 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Mortgage history for HELOC with XXXXXX only reports through January 2026 on credit report. No other supporting docs are provided. Application date is 3/11/26. Loan closed on 3/28/26. Guidelines require 0x30 for most recent 12 mos. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 59.98% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 771 exceeds required FICO of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 10/20/2008. |
| 305071197 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years 2 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.95% CLTV with a max 90% allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.25% DTI with a max 50% allowed. |
| 305071591 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client status is QM Safe Harbor APOR; Clayton status is QM Rebuttable Presumption APOR is due to Test APR 9.298%, 03/11/2026 benchmark rate is 5.70%, variance is 3.598%, max variance allowed is 3.50%. | 4.21.26 Client response; We accept the determination on this and please clear the exception.4.21.26 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 4.21.26 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.85% CLTV < max permitted of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 48.77% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have78 months mortgage payment history 0x30. |
| 305071591 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Texas Equity | Satisfied C B | CMPTXEQ5830 | TX Equity - Total fees greater than the allowable cap | No | TX Equity - Total fees greater than the allowable cap (2% of OLB $50,000). Adjusted charges of $2,396.50 exceeds maximum allowable of $1,000.00, with an amount of $1,396.50 over threshold. | 4.16.2026 - Unidscounted rate provided | 4.16.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.85% CLTV < max permitted of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 48.77% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have78 months mortgage payment history 0x30. |
| 305071591 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | N/A | N/A C B | N/A | N/A C B | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM rebuttable APOR status based upon Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.85% CLTV < max permitted of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 48.77% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have78 months mortgage payment history 0x30. |
| 305071595 | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowner's counseling organizations; insufficient information to confirm timely delivery. List of Housing Counselors is not dated. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 66.96% is less than max allowed 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 718 exceeds required FICO of 680 (75% CTLV).<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paying off 3 tradelines (2 max out credit cards and a 2nd mortgage) with payments of $1,472.58. New mortgage payment is $586.45. Decrease of $886.13/mo. |
| 305071754 | XXXXXX | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowners counseling organizations not dated; insufficient information to confirm timely delivery | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has been at the current job for 5.4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 mid score > min required of 720 |
| 305071760 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD 3/13/26 per the COC in file. | 4.15.206 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.00% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 22.33% is below the guideline maximum of 50%. |
| 305071760 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/13/26 per the COC in file. | 4.15.206 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.00% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 22.33% is below the guideline maximum of 50%. |
| 305071760 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide initial CD 3/13/26 per the COC in file. | 4.15.206 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.00% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 22.33% is below the guideline maximum of 50%. |
| 305071760 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/13/26 per the COC in file. | 4.15.206 - Missing CDs provided | 4.15.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.00% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 22.33% is below the guideline maximum of 50%. |
| 305071762 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/21/2026 | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 43.92% is below guideline maximum 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 121 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 276 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 761 mid score > min required of 680 |
| 305071762 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 3/25/2026 | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 43.92% is below guideline maximum 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 121 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 276 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 761 mid score > min required of 680 |
| 305071762 | XXXXXX | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD disclosed to borrower on 03/21/2026. | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 43.92% is below guideline maximum 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 121 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 276 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 761 mid score > min required of 680 |
| 305072162 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing 2025 W2 for B1 | 4/9/2026 Received rebuttal from lender stating required W2 is located on page 298 of original loan document pdf folder. Re-review of original document folder reflects page 298 is blank. All pages were revisited and the 2025 W2 was not located. 4/14/2025 Received satisfactory copy of 2025 W2 | 4/10/2026 Exception remains. 4/14/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years 10 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.13% DTI with a 50% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 score exceeds 720 minimum. |
| 305073493 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Require signed 2025 personal tax return (1040) to fully gross up SSI for B1. Missing evidence of 3 years continuance for beneficiary SSI for Stephen under B2. No evidence of SSI/Disability of B1 for $2,140.35. 1003 shows $2,062.90 disability matching SSI award letter and SSI of $2,140.35 (slightly miscalculated 15% grossed up of $2,062.90). This counts the SSI twice. In order to get under 50%, must fully gross up income. | 4/13/2026 Received rebuttal reflecting revised, lower income calculations per documentation provided. Resulting DTI of 46.85% is < maximum permitted. | 4/14/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 57.69% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 737 exceeds required FICO of 680. |
| 305073563 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 688 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.28% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.00% CLTV < max permitted of 75% |
| 305073563 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 688 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.28% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.00% CLTV < max permitted of 75% |
| 305073563 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 688 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.28% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.00% CLTV < max permitted of 75% |
| 305073567 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing initial CD 3/18/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.46% DTI < maximum permitted of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 76.40%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 700 |
| 305073567 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 3/18/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026-Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.46% DTI < maximum permitted of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 76.40%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 700 |
| 305073567 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 3/18/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.46% DTI < maximum permitted of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 76.40%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid score > min required of 700 |
| 305073570 | XXXXXX | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 704 exceeds required FICO of 680.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No late payments reporting since 4 x30 in January 2020.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 66.39% is less than max allowed 85%. |
| 305074550 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.69% CLTV < max permitted of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 717 mid score > min required of 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have58 months mortgage payment history 0x30. |
| 305074551 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years 3 months at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Past mortgage pay history 0x30 from 2016 per CR.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 18 years in profession. |
| 305074552 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A C B D | N/A | N/A C B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR - Expiration date (04/13/2026) on form prior to end of rescission period 4/18/2026. Borrower signed final CD 4/15/26. | 04.30.2026 - LOX, proof of delivery and new NORTC provided | 04.30.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 727 exceeds required FICO of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 23.80 is lower than max DTI allowed 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 52.42% is less than max allowed 90%. |
| 305074552 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A C B D | N/A | N/A C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR - Expiration date (04/13/2026) on form prior to end of rescission period 4/18/2026. Borrower signed final CD 4/15/26. | 04.30.2026 - LOX, proof of delivery and new NORTC provided | 04.30.2026 - Exception satisfed | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 727 exceeds required FICO of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 23.80 is lower than max DTI allowed 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 52.42% is less than max allowed 90%. |
| 305074552 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A C B D | N/A | N/A C B | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing verification existing HELOC with XXXXXX has been closed to future draws. | 4/30/2026 Received LOE from XXXXXX supporting HELOC #0090 has been paid and closed. | 4/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 727 exceeds required FICO of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 23.80 is lower than max DTI allowed 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 52.42% is less than max allowed 90%. |
| 305074604 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.43 CLTV below max 85<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 52 months |
| 305074996 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Please provide the ABA disclosure | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 score exceeds 720 minimum required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 17 years 7 months at current residence.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of revolving credit less than 1% usage per CR. |
| 305075395 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued 4/3/26 per the disclosure tracking on pg 2 of the PDF. | 4.24.2026 - Missing CDs received | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 692 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70.44%; guidelines allow 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9 years with current employer. |
| 305075395 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued 4/3/26 per the disclosure tracking on pg 2 of the PDF. | 4.24.2026 - Missing CDs received | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 692 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70.44%; guidelines allow 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9 years with current employer. |
| 305075395 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD issued 4/3/26 per the disclosure tracking on pg 2 of the PDF. | 4.24.2026 - Missing CDs received | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 692 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70.44%; guidelines allow 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9 years with current employer. |
| 305075423 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing initial CD 3/17/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.17% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 815 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 44%; guidelines allow 90%. |
| 305075423 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 3/17/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.17% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 815 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 44%; guidelines allow 90%. |
| 305075423 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 3/17/26 per COC in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.17% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 815 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 44%; guidelines allow 90%. |
| 305075902 | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.32% CLTV < max permitted of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have66 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 811 mid score > min required of 680 |
| 305075909 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of Homeowner's Counseling Organizations disclosure in file is not dated. Please provide. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.26% DTI with a 45% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 42 years 8 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.58% CLTV with a 90% max allowed. |
| 305075918 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide the missing Initial CD dated 3/18/26 per COC in file. | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.88% CLTV with a max 75% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 11 years in current profession. |
| 305075918 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide the missing Initial CD dated 3/18/26 per COC in file. | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.88% CLTV with a max 75% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 11 years in current profession. |
| 305075918 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Please provide the missing Initial CD dated 3/18/26 per COC in file. | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.88% CLTV with a max 75% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 11 years in current profession. |
| 305075918 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide the missing Initial CD dated 3/18/26 per COC in file. | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.88% CLTV with a max 75% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 11 years in current profession. |
| 305075920 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing initial CD 3/19/26 per COC in file. | 4.23.206 - ICD received | 4.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 26 years time in profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.45% DTI with a max 50% allowed. |
| 305075920 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 3/19/26 per COC in file. | 4.23.206 - ICD received | 4.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 26 years time in profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.45% DTI with a max 50% allowed. |
| 305075920 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 3/19/26 per COC in file. | 4.23.206 - ICD received | 4.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 26 years time in profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.45% DTI with a max 50% allowed. |
| 305075929 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.71% DTI < maximum permitted of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.58%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 mid score > min required of 680 |
| 305076189 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Exception fired in error due to missing initial CD 3/17/2026 and subsequent CDs 3/18/2026. Please provide. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.30% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 32 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 44.73%; guidelines allow 90% |
| 305076189 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing the initial 3/17/2026 CD and revised 3/18/2026 in file per change of circumstance in. Please provide. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.30% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 32 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 44.73%; guidelines allow 90% |
| 305076189 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing the initial CD. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.30% DTI < maximum permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 32 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 44.73%; guidelines allow 90% |
| 305076191 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing proof that XXXXXX HELOC paid at close has been closed for future draws. The authorization to close that is part of pay off letter is not executed by borrowers. | 5/1/2026 Received executed HELOC termination statement | 5/4/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has 10 years 3 months at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: First lien history 77 mos. 0x30, 2nd lien 57 mos. 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 49.02% below program maximum 90.00%. |
| 305076191 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowners counseling organizations not dated; insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has 10 years 3 months at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: First lien history 77 mos. 0x30, 2nd lien 57 mos. 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 49.02% below program maximum 90.00%. |
| 305076191 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that XXXXXX paid at close has been closed for future draws. The authorization to close that is part of pay off letter is not executed by borrowers. | 5/1/2026 Received executed HELOC termination statement | 5/4/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has 10 years 3 months at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: First lien history 77 mos. 0x30, 2nd lien 57 mos. 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying CLTV 49.02% below program maximum 90.00%. |
| 305076251 | XXXXXX | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have24 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.08% CLTV < max permitted of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 mid score > min required of 680 |
| 305076292 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years at subject property<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.24 CLTV below max 75 |
| 305076774 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 12.26% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.37% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 mid score > min required of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $37,108.22 (7.67 months PITIA reserves) > min required of $0 |
| 305076775 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing third party fraud report. | 4/22/2026 Received Drive report. No alerts needed to be addressed. | 4/22/2026 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.99% CLTV with a max 85% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 18 years time in profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years 5 months at current residence. |
| 305076776 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 score exceeds 720 minimum required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.48% DTI with a max 50% allowed.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.60% CLTV with a max 90% allowed. |
| 305076960 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 mid score > min required of 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22.5 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.34%; guidelines allow 85%. |
| 305077091 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 3/19/26, 3/25/26 per the COC in file. | 4.23.206 - Missing CDs received | 4.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 25.86% CLTV with a max 85% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 score exceeds 720 minimum required. |
| 305077091 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide Missing Initial CD 3/19/2026 per COC in file. | 4.23.206 - Missing CDs received | 4.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 25.86% CLTV with a max 85% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 score exceeds 720 minimum required. |
| 305077091 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide Missing Initial CD 3/19/2026 per COC in file. | 4.23.206 - Missing CDs received | 4.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 25.86% CLTV with a max 85% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 score exceeds 720 minimum required. |
| 305077092 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Exception fired in error due to missing initial CD 3/19/2026 and subsequent CDs 3/19/2026 and 3/25/2026 per change of circumstance in file. Please provide. | 4.23.206 - ICD received | 4.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2021 per CR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 score exceeds 700 minimum required for 85% CLTV. |
| 305077092 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD 3/19/2026 and subsequent CDs 3/19/2026 and 3/25/2026 per change of circumstance in file. Please provide. | 4.23.206 - Missing CDs received | 4.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2021 per CR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 score exceeds 700 minimum required for 85% CLTV. |
| 305077092 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Missing initial CD 3/19/2026 and subsequent CDs 3/19/2026 and 3/25/2026 per change of circumstance in file. Please provide. | 4.23.206 - Missing CDs received | 4.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2021 per CR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 score exceeds 700 minimum required for 85% CLTV. |
| 305077092 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 3/19/2026 and subsequent CDs 3/19/2026 and 3/25/2026 per change of circumstance in file. Please provide. | 4.23.206 - Missing CDs received | 4.23.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2021 per CR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 score exceeds 700 minimum required for 85% CLTV. |
| 305077094 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing CD's 3/17/26 and 3/19/26 per COC in file. | 4.20.2026 - Missing CDs provided | 4.20.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.42% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.25% is below the guideline maximum of 50%. |
| 305077094 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD 3/17/26 per COC in file. | 4.20.2026 - Missing CDs provided | 4.20.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.42% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.25% is below the guideline maximum of 50%. |
| 305077094 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD 3/17/26 per COC in file. | 4.20.2026 - Missing CDs provided | 4.20.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 mid score > min required of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.42% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.25% is below the guideline maximum of 50%. |
| 305077095 | XXXXXX | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 45.24%; guidelines allow 75%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have62 months mortgage payment history 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $19,373.34 (4.74 months PITIA reserves) > min required of $0 |
| 305077452 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Texas Home Equity | Active B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.79% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.44% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid score > min required of 700 |
| 305077452 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | Texas Home Equity | Active B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 77.79% CLTV < max permitted of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.44% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid score > min required of 700 |
| 305077707 | XXXXXX | XXXXXX | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowner's counseling organizations is not dated; insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 27 years 6 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 754 above program minimum 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 11 years 3 months at current residence.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has 6 years 3 months at current residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 82 mos. 0x30. |
| 305077744 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/16/2026 and subsequent CD 3/18/2026 per Change of Circumstance in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.64% CLTV with a max 85% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years 9 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.76% DTI with a max 50% allowed. |
| 305077744 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD 3/16/2026 and CD 3/18/2026. Need proof initial CD was received by borrower 3 days before consummation date of 3/21/2026 | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.64% CLTV with a max 85% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years 9 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.76% DTI with a max 50% allowed. |
| 305077744 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD 3/16/2026 and subsequent CD 3/18/2026 per Change of Circumstance in file. | 4.21.2026 - Missing CDs received | 4.21.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.64% CLTV with a max 85% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years 9 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.76% DTI with a max 50% allowed. |
| 305077748 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 745 exceeds required FICO of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 65.46% is less than max allowed 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, B1 has been with current employer since 4/6/1998. |
| 305078152 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowner's counseling organizations is not dated. Insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have51 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.60% CLTV < max permitted of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 mid score > min required of 700 |
| 305078179 | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11+ years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 52%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 mid score > min required of 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 132 months mortgage payment history 0x30.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 11 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 393months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 32.67% is below guideline maximum 50%. |
| 305078183 | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 66.94%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 mid score > min required of 680 |
| 305078212 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing initial CD 3/23/26 per COC in file. | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 750 exceeds required FICO of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 40.61% is less than max allowed 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates reporting on credit report. Earliest tradelines reporting is January 1983. |
| 305078212 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 3/23/26 per COC in file. | 4.22.2026 - ICD received | 4.22.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 750 exceeds required FICO of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 40.61% is less than max allowed 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates reporting on credit report. Earliest tradelines reporting is January 1983. |
| 305078212 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 3/23/26 per COC in file. | 4.22.2026 - ICD received | 4.22.2026-Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 750 exceeds required FICO of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 40.61% is less than max allowed 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates reporting on credit report. Earliest tradelines reporting is January 1983. |
| 305078537 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide missing initial CD 3/24/26 per COC in file. | 4.24.2026 - Missing CDs received | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 78..72%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 mid score > min required of 700<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 22 years at current job and in the same line of work. |
| 305078537 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide missing initial CD 3/24/26 per COC in file. | 4.24.2026 - Missing CDs received | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 78..72%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 mid score > min required of 700<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 22 years at current job and in the same line of work. |
| 305078537 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | N/A | N/A D | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide missing initial CD 3/24/26 per COC in file. | 4.24.2026 - Missing CDs received | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 78..72%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 mid score > min required of 700<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 22 years at current job and in the same line of work. |
| 305078678 | XXXXXX | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | (No Data) |
| 305078706 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.97% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.53% CLTV < max permitted of 90% |
| 305078769 | XXXXXX | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.84% CLTV < max permitted of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $14,001.20 (4.42 months PITIA reserves) > min required of $0<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have62 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 mid score > min required of 680 |
| 305078923 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD 3/13/2026. also missing CD 3/16/2026, 3/19/2026, 3/19/2026-2 and 3/19/2026-3 according to the change of circumstance. | 4.17.2026 Lender provided initial CD dated 3/13 | 4.17.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 65.67% is less than max allowed 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 36.85% is lower than max DTI allowed 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 771 exceeds required FICO of 680. |
| 305078923 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD 3/13/2026. Need proof initial CD was received by borrower 3 days before consummation date of 3/21/2026 | 4.17.2026 Lender provided initial CD dated 3/13 | 4.17.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 65.67% is less than max allowed 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 36.85% is lower than max DTI allowed 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 771 exceeds required FICO of 680. |
| 305078923 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD disclosed on 03/13. | 4.17.2026 Lender provided initial CD dated 3/13 | 4.17.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 65.67% is less than max allowed 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 36.85% is lower than max DTI allowed 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 771 exceeds required FICO of 680. |
| 305078923 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | XXXXXX Mortgage transferred toXXXXXX in January 2026. Payoff letter dated 3/13/26 shows due April 2026. Credit report does not reflect XXXXXX. AUS reflects omitted. Due to recent transfer, DU is not requiring updated mortgage history. Per title, mortgage opened 6/16/25. First payment should be August 2025. Credit reports 3 payments before transfer (10/25-12/25). Missing prior payments or evidence first payment due date is October 2025. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 65.67% is less than max allowed 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 36.85% is lower than max DTI allowed 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 771 exceeds required FICO of 680. |
| 305079434 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 mid score > min required of 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 55.37%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.37% DTI < maximum permitted of 50% |
| 305079699 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowner's counseling organizations in file is not dated; insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years 8 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 11 years time in profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.01% DTI with a max 50% allowed. |
| 305079700 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.40% CLTV with a max 90% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 score exceeds 720 minimum required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years 10 months at current residence. |
| 305079703 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years 6 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 44.73% CLTV with a max 85% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 years time in profession. |
| 305079748 | XXXXXX | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH121 | Bankruptcy history does not meet guidelines | No | Borrower file chapter 13 6/22/2018 which converted to a chapter 7 4/13/21 with a discharge date of 7/29/2021. Guidelines require a 7-year waiting period.Guidelines also does not indicate from filing date or discharge date. Lender to confirm. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years 5 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.72% DTI with a 50% max allowed.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 from 2011 per CR. |
| 305079843 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Per court order, child support $800.00 - Missing verification that is has been received for last 6 months, per FNMA guides. \*County worksheet in file verifies age of children, so income will continue for three years, but evidence of receipt is missing. | 4/22/2026 Received rebuttal Court records in file count as evidence per Fannie Mae requirements. Disagree. The court documents support the age and continuance of the earnings however does not meet the requirement of a minimum six-month history of regular, full and timely payments. See Fannie Mae Guide section B3-3.4-02.4/22/2026 Received 2nd rebuttal with same statement as received earlier in day. Court records in file count as evidence per Fannie Mae requirements. Disagree. The court documents support the age and continuance of the earnings however does not meet the requirement of a minimum six-month history of regular, full and timely payments. See Fannie Mae Guide section B3-3.4-02.4/24/2026 Received 6 mos. bank statements supporting receipt of $800.00 child support used to qualify. | 4/22/2026 Exception remains.4/22/2026 Exception remains.4/24/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 77.86 below 90 max<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9+ years at subject property<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 FICO exceeds minimum 720 |
| 305079843 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2906 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | Per court order, child support $800.00 - Missing verification that is has been received for last 6 months, per FNMA guides. \*County worksheet in file verifies age of children, so income will continue for three years, but evidence of receipt is missing. | 4/22/2026 Received rebuttal Court records in file count as evidence per Fannie Mae requirements. Disagree. The court documents support the age and continuance of the earnings however does not meet the requirement of a minimum six-month history of regular, full and timely payments. See Fannie Mae Guide section B3-3.4-02.4/22/2026 Received 2nd rebuttal with same statement as received earlier in day. Court records in file count as evidence per Fannie Mae requirements. Disagree. The court documents support the age and continuance of the earnings however does not meet the requirement of a minimum six-month history of regular, full and timely payments. See Fannie Mae Guide section B3-3.4-02.4/24/2026 Received 6 mos. bank statements supporting receipt of $800.00 child support used to qualify. | 4/22/2026 Exception remains.4/22/2026 Exception remains.4/24/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 77.86 below 90 max<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9+ years at subject property<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 FICO exceeds minimum 720 |
| 305079843 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | Homeowner's Counseling Disclosure provided in file is not dated. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 77.86 below 90 max<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9+ years at subject property<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 FICO exceeds minimum 720 |
| 305079843 | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Per court order, child support $800.00 - Missing verification that is has been received for last 6 months, per FNMA guides. \*County worksheet in file verifies age of children, so income will continue for three years, but evidence of receipt is missing. | 4/22/2026 Received rebuttal Court records in file count as evidence per Fannie Mae requirements. Disagree. The court documents support the age and continuance of the earnings however does not meet the requirement of a minimum six-month history of regular, full and timely payments. See Fannie Mae Guide section B3-3.4-02.4/22/2026 Received 2nd rebuttal with same statement as received earlier in day. Court records in file count as evidence per Fannie Mae requirements. Disagree. The court documents support the age and continuance of the earnings however does not meet the requirement of a minimum six-month history of regular, full and timely payments. See Fannie Mae Guide section B3-3.4-02.4/24/2026 Received 6 mos. bank statements supporting receipt of $800.00 child support used to qualify. | 4/22/2026 Exception remains. 4/22/2026 Exception remains. 4/24/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 77.86 below 90 max<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9+ years at subject property<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 FICO exceeds minimum 720 |
| 305079869 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowners counseling organizations is not dated; insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer for almost 30 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 79.63% is less than max allowed 90%.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Paid off 11 debts with a monthly payment totaling $2,559. New mortgage payment is $808.93. |
| 305080108 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2017 per CR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years 7 months at current residence. |
| 305080111 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Please provide the COC to show the reason for the additional $365 charge for appraisal fee. | 05.05.2026 - PCCD and LOX received however still require copy of refund check for $365 and proof of delivery.05.08.2026 - Copy of refund check and proof of delivery received | 05.05.2026 - Exception remains05.08.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Verified DTI is 31.18%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 84.96%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 720. Approved FICO is 784. |
| 305080384 | XXXXXX | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation | No | Zero Tolerance Fee of $18 due to AVM Charge of $5 and Fraud Check charge of $13 fees increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 4.24.2026 - Cure provided | 4.24.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since July 2020.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 28.26% is lower than max DTI allowed 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 71.53% is less than max allowed 75%. |
| 305081465 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.00% CLTV < max permitted of 90%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for more than 32 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 mid score > min required of 680 |
| 305082189 | XXXXXX | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 mid score > min required of 720<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 10 years. |
| 305082230 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowner's counseling organizations in file is not dated; insufficient information to confirm timely delivery. Please provide. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.68% LTV, program allows 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 738, guidelines require 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 45.64% DTI, program allows 50%. |
| 305082792 | XXXXXX | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowners counseling organizations is not dated; insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 30.28% is less than max allowed 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 757 exceeds required FICO of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 38.84 is lower than max DTI allowed 50. |
| 305083025 | XXXXXX | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowners counseling organizations is not dated; insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 mid score > min required of 720<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 14 years at current job and in the line of work<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.88% DTI < maximum permitted of 50% |
| 305083205 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | HOC date missing. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 32 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 score exceeds 720 minimum required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.94% CLTV with a max 90% allowed. |
| 305084599 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 695 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 44.33% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.94% CLTV < max permitted of 75% |
| 305084617 | XXXXXX | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowners counseling organizations not dated; insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.88% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.32% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid score > min required of 700 |
| 305085944 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | B2: 2 active trade lines < min required of 3 per lender g/l. Acknowledged by client as non-material 2B | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 46.91% CLTV < max permitted of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have44 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 mid score > min required of 680 |
| 305085944 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B2: 2 active trade lines < min required of 3 per lender g/l. Acknowledged by client as non-material 2B | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 46.91% CLTV < max permitted of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have44 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 mid score > min required of 680 |
| 305086004 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A B D | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowner's counseling organizations in file is not dated; insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.42% DTI with a max 50% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 score exceeds 720 minimum required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.82% CLTV with a max 90% allowed. |
| 305086004 | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A B D | N/A | N/A B | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing 2025 W2 for B1 from XXXXXX supporting income of approx $120,000/year | 4/30/2026 Received copy of 2025 W2 for B1. Supports earnings as requested. | 4/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.42% DTI with a max 50% allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 score exceeds 720 minimum required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.82% CLTV with a max 90% allowed. |
| 305086101 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowner's counseling organizations in file is not dated; insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 85%. Approved CLTV is 73.131%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 700. Approved FICO is 719.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has 21 years at current job. |
| 305086560 | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 47.96%/maximum50%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Good mortgage payment history with no derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 750/minimum 680 |
| 305086826 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Texas Home Equity | Active B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | TX Equity - Texas Equity : Missing T.42 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.97% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.42% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 700 |
| 305086826 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | Texas Home Equity | Active B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.97% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.42% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 700 |
| 305086826 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | N/A | N/A C B | N/A | N/A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation. | No | 10% tolerance fail of $300.00. Title - settlement fee added to final CD for $300.00. No COC provided disclosing addition of fee. Please provide either COC or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 05.04.2026 - PCCD at funding with settlement fee removed as per ledger received. With overage being refunded back to borrower. | 05.04.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.97% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.42% CLTV < max permitted of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 700 |
| 305087156 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | List of homeowner's counseling organizations is not dated; insufficient information to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score is 720/minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 46.20%/maximum 50% |
| 305088111 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | N/A | N/A B | N/A | N/A B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | Homeownership Counseling Organization list was not dated by lender. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.16% CLTV with a max 75% allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years 5 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 and 28 years time in profession. |
| 305088361 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 mid score > min required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 30.92% is below guideline maximum 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $47,589.70 / 24.07 months PITIA > min required of $0.00<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 39.7%; guidelines allow 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 126 months mortgage payment history 0x30.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 15 years. |
| 305088369 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | N/A | N/A C | N/A | N/A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation regarding lien/judgment on title for: UCC lien placed by XXXXXX. Although title reflects $0 lien amount, it does indicate for "costs / interest". Final CD doesn't reflect any payoff for this UCC lien. | 5/1/2026 Received rebuttal stating "UCC is for solar and is not on the credit report, please waive". No supporting documentation was provided. Pending receipt of copy of UCC filing reviewer will notify management of request to waive. 5/6/2026 Received copy of UCC filing confirming the Secured Pary confirms no actual security interest in the subject property and only pertains to their equipment. | 5/4/2026 Exception remains 5/6/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 747 exceeds required FICO of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of 32.96% is lower than max DTI allowed 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting on credit report. Oldest reported tradeline opened September 2005.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 73.65% is less than max allowed 90%. |
| 305089710 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing borrower letter of explanation or other satisfactory documentation to prove no HOA fee on XXXXXX as qualified with. | 4/30/2026 Received XXXXXX. Supports no HOA as qualified. | 4/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 47.972%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 720. Approved FICO is 815.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have 10 or more years in their current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Verified DTI is 30.82%. |
| 305089710 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Compliance | RESPA | Active B | CMPRESPA2720 | RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. | No | HCO list not dated by lender. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 47.972%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 720. Approved FICO is 815.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have 10 or more years in their current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Verified DTI is 30.82%. |
| 305089710 | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | N/A | N/A D B | N/A | N/A D B | Credit | DTI | Satisfied 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 prove no HOA fee on XXXXXX as qualified with. | 4/30/2026 Received Redfin report for XXXXXX. Supports no HOA as qualified. | 4/30/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 90%. Approved CLTV is 47.972%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 720. Approved FICO is 815.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have 10 or more years in their current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%. Verified DTI is 30.82%. |
| 305096923 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned residence for 8 years 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.90% CLTV, program allows 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.27% DTI, program allows 50%. |
| 305085724 | XXXXXX | XXXXXX | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3952 | TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established | No | All CD's- The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established | 03/19/2026 Client provided PCCD 3/18 with correction. Condition remains for LOE to Borrower for change. 03/20/2026 Client provided PCCD 3/19 with corrections and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 13.5 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 44.33 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 58 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69.95% below guideline requirements of 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.17 years |
| 305085724 | XXXXXX | XXXXXX | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | All CD's- Loan Disclosures - Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 03/19/2026 Client provided PCCD 3/18 with correction. Condition remains for LOE to Borrower for change. 03/20/2026 Client provided PCCD 3/19 with corrections and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 13.5 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 44.33 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 58 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69.95% below guideline requirements of 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.17 years |
| 305085724 | XXXXXX | XXXXXX | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5740 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | All CD's reflect $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior liens, disclosure of the first lien taxes, insurance and assessments is required. | 03/19/2026 Client provided PCCD 3/18 however correction has not been made. It is proper to disclose the Taxes, Assessments and Insurance amounts in Projected Payments on a junior lien just as you would on the first lien; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs on the junior lien. Condition remains. Provide PCCD with correction and LOE to Borrower for change. 03/20/2026 Client provided PCCD 3/19 with corrections and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 13.5 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 44.33 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 58 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69.95% below guideline requirements of 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.17 years |
| 305085724 | XXXXXX | XXXXXX | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | All CD's- Loan Disclosures - Escrow Account; Estimated property costs over 1 year reflect $0.00. | 03/19/2026 Client provided PCCD 3/18 however correction has not been made. It is proper to disclose the Taxes, Assessments and Insurance amounts in Projected Payments on a junior lien just as you would on the first lien; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs on the junior lien. Condition remains. Provide PCCD with correction and LOE to Borrower for change. 03/20/2026 Client provided PCCD 3/19 with corrections and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 13.5 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 44.33 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 58 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69.95% below guideline requirements of 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.17 years |
| 305085724 | XXXXXX | XXXXXX | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5831 | TRID - CD: In the Taxes, Insurance & Assessments section at least one est. amount has Yes or Some for In Escrow, but the Will Not Have an Escrow Account box is checked in Loan Disclosures | No | All CD's- In the Taxes, Insurance & Assessments section at least one est. amount has Yes or Some for In Escrow, but the Will Not Have an Escrow Account box is checked in Loan Disclosures | 03/19/2026 Client provided PCCD 3/18 with correction. Condition remains. Provide LOE to Borrower for change. 03/20/2026 Client provided PCCD 3/19 with corrections and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 13.5 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 44.33 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 58 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69.95% below guideline requirements of 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.17 years |
| 305085724 | XXXXXX | XXXXXX | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide the Property Inspection Report. | 3/18 Client the property condition report showing no adverse aspects | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 13.5 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 44.33 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 58 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69.95% below guideline requirements of 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.17 years |
| 305059047 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5115 | TRID - Closing Disclosure: The Creditors Brokers or Contact persons NMLS or State ID is missing | No | Final CD dated 01/09/2026- Contact Information- Missing Lender's Contact name and NMLS and/or License ID. | 01/29/2026 Client provided corrected PCCD 1/28 and LOE for changes. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 86.37% below guideline requirements of 90%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6.5 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 10.83 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 66 months exceeds guidelines of 12 months |
| 305059049 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied B A | CRDTER4865 | Missing gap coverage | No | Provide an LOE for the gap in employment for B1 | 2.6.2026 Client provided B1 email LOX regarding gap of employment | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 90 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 4.92 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 74.78% below guideline requirements of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 28.90% below guideline requirement of 45% |
| 305059049 | XXXXXX | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide the Supplemental Consumer Information Form for the co-borrower. | 2.5.2026 Client provided copy of supplemental consumer information for B2 | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 90 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 4.92 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 74.78% below guideline requirements of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 28.90% below guideline requirement of 45% |
| 305085699 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof initial CD was received by borrower 3 days before consummation date of 03/11/2026. | 03/23/2026 Client provided a copy of the Initial CD received by all Title holders by 3/6. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.05% below guideline requirement of 45%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 30 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 61 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.17 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 66.01% below guideline requirements of 80% |
| 305059056 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 60.44% below guideline requirements of 80%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 11.25 years |
| 305059079 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62% CLTV is 13% below the maximum guideline requirement of 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 64 months mortgage payment history exceeds the 12 month minimum guideline requirement by 52 months. |
| 305059077 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Provide missing credit report | 1.2.2026 Client provided credit report dated 12.1.2025 | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 32.51% below guideline requirements of 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 24.25 years |
| 305059077 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Right of Rescission | Satisfied C A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR in file is signed by the borrowers on 12/22/2025 with an expiration date of 12/26/2025. Per Final CD dated 12/18/2025, Disbursement date is 12/26/2025. Disbursement date is before end of statutory rescission period | 01/06/2026 Client provided PCCD 01/02 with corrected disbursement date. Condition remains for Final Alta/Settlement Statement to confirm the updated disbursement date. 1/07/2026 Client provided matching disbursement date Fina Alta/Settlement Statement. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 32.51% below guideline requirements of 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 24.25 years |
| 305059077 | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH189 | Missing credit report | No | Provide credit report | 1.2.2026 Client provided credit report dated 12.1.2025 | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 32.51% below guideline requirements of 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 24.25 years |
| 305089697 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide the Supplemental Consumer Information Form | 3.30.2026 Client provided completed Supplemental Consumer Information Form for borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 66.96% below guideline requirements of 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 52 months exceeds guidelines of 12 months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 15 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.13% below guideline requirement of 45% |
| 305059080 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 72.80% below guideline requirements of 85% due to declining market.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.97% below guideline requirement of 45% |
| 305089705 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A C D | D | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 03/18/2026 Client provided the missing Initial CD 2/20. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.92% max per guidelines is 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 11 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 29.27% is 15.73 points below the program guideline maximum 45%. |
| 305089705 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A C D | D | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of 02/26/2026. | 03/18/2026 Client provided the missing Initial CD 2/20. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.92% max per guidelines is 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 11 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 29.27% is 15.73 points below the program guideline maximum 45%. |
| 305089705 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A C D | D | A C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing HOA fees docs supporting $61.67. | 3/24/2026 client provided full appraisal. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.92% max per guidelines is 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 11 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 29.27% is 15.73 points below the program guideline maximum 45%. |
| 305089705 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A C D | D | A C | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Missing appraisal | 3/24/2026 client provided full appraisal. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.92% max per guidelines is 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 11 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 29.27% is 15.73 points below the program guideline maximum 45%. |
| 305089705 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A C D | D | A C | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR100 | Missing Appraisal | No | Missing appraisal | 3/24/2026 client provided full appraisal. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.92% max per guidelines is 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 11 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 29.27% is 15.73 points below the program guideline maximum 45%. |
| 305089705 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | D | A C D | D | A C | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Missing appraisal | 3/24/2026 client provided full appraisal. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.92% max per guidelines is 90%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 11 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 29.27% is 15.73 points below the program guideline maximum 45%. |
| 305085729 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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's dated 02/11/2026 and 02/17/2026- Loan disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 03/06/2026 Client provided PCCD 3/5 with HOA as non-Escrowed. Condition remains for PCCD reflecting also, Property taxes and Homeowners Ins as non-escrowed on Pages 1 & 4 with LOE to Borrower for changes. 03/11/2026 Client provided PCCD 3/9 with corrections and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.11% below guideline requirement of 45%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 20 years and 19.5 years for B1 & B2<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 19.5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 48.20% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 50 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8.5 years |
| 305059075 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Provide the P&L statement | 1.16.2026 Client provided end of year 12.31.2025 Profit/Loss for self employment business (100% owner) supporting income used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.33 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69.45% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 11.75 years |
| 305059075 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No | Provide the balance sheet statement | 1.16.2026 Client provided end of year 12.31.2025 Balance Sheet for self employment business (100% owner) | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.33 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69.45% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 11.75 years |
| 305059068 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing credit report in file and cannot determine debts in order to document an accurate Ability to Repay/Qualified mortgage status. | 1.21.2026 Client provided credit report dated 11.21.2025 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 credit score per the 1008 exceeds the 680 minimum guideline requirement by 98 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56% CLTV is 34% below the maximum guideline requirement of 90%. |
| 305059068 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Missing credit report to determine if the minimum tradelines have been met | 1.21.2026 Client provided credit report dated 11.21.2025 with tradelines met | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 credit score per the 1008 exceeds the 680 minimum guideline requirement by 98 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56% CLTV is 34% below the maximum guideline requirement of 90%. |
| 305059068 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A D | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH189 | Missing credit report | No | Missing credit report in file. | 1.21.2025 Client provided credit report dated 11.21.2025 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 credit score per the 1008 exceeds the 680 minimum guideline requirement by 98 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56% CLTV is 34% below the maximum guideline requirement of 90%. |
| 305085712 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | All CD"s- Loan Disclosures - Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 03/10/2026 Client provided corrected PCCD 3/4 with Final Alta. Condition remains for LOE to Borrower regarding the correction to Loan disclosures page 4. 03/11/2026 Client provided LOE to Borrower. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 30.31% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 76.43% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 61 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 16.5 years |
| 305085715 | XXXXXX | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | All CD's- Loan Disclosures - Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 03/25/2026 Client provided PCCD 3/16 with correction, Final Alta and LOE to Borrower. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 52 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 66.09% below guideline requirements of 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 22 years |
| 305059071 | XXXXXX | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 34.58% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 61 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.22% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 45 years |
| 305059081 | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID5806 | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | The Initial CD reflects receipt by the Borrower on the loan, However there doesn't seem to be acknowledge by the Non-Borrower.Provide evidence of NBS received the Initial CD 12/17 a minimum of 3 days prior to closing. | 01/16/2026 Client requested re-review: The COC CD was included in the package sent to XXXXXX 86 and was signed by the NPS. Can you please re-review and waive? Condition remains. Page 86 is the Interim CD 12/23. The Initial Cd dated 12/17 and Audit trail in file for 12/17 provides evidence of receipt by the Borrower. Provide Acknowledgement of receipt of the Initial CD 12/17 by the Non-Borrower. If unable to provide, the exception can be Satisfied 2B using CD, ROR and Mortgage executed at closing. 01/16/2026 Satisfied 2B. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 30% |
| 305059088 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 29.28% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 7.58 years |
| 305059085 | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 60 days of consummation. | No | Need evidence of change of circumstances letter for Ten Percent tolerance, Endorsement Fees or a copy of a refund check to borrower. | Corrected on the PCCD dated 01/02/2026 in the file. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.13% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 10 years |
| 305059059 | XXXXXX | XXXXXX | XXXXXX | AK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 72.74% below guideline requirements of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 30.59% below guideline requirement of 45%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 62 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 16.83 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20.5 years |
| 305085738 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing explanation/documentation for why the closing disclosure shows a payoff amount of $98,400.00 to XXXXXX who is vested on title as the borrowers spouse.Missing explanation for the XXXXXX deductions on the borrowers paystub. | 3/4 Client provided an Email that " a portion of cash out was paid to Non Borrowing spouse, and payroll Deductions for XXXXXX are voluntary"; On review Provide proof from the employer that both deductionsXXXXXX are voluntary and Provide an LOE with the reason NBS received cash out at closing on CD 3.12.2026 Client provided LOX from Borrower regarding funds paid to my spouse were a voluntary transfer of a portion of the cash out proceeds from the refinance, we are not legally separated and there is no divorce decree, separation agreement, or court ordered obligation requiring this payment. Response, have been addressed by Borrower with LOX. Condition remains for additional LOX from employer verifying both (EE Boost Repay and OneSight) deductions are voluntary. 3.13.2026 Client provided email from Borrower stating XXXXXX is companys nonprofit which I donate to per paycheck and XXXXXX is a temporary deduction for some extra stocks that I was able to purchase during XXXXXX program. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 FICO exceeds guideline of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 15 years at current job. |
| 305085738 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL225 | Missing Rider | No | Appraisal reflects the property is a Detached PUD with HOA dues of $190/month. These dues are also reflected on the Final CD. Mortgage does not have a PUD rider selected or attached. | 3.23.2026 Client provided executed updated Corrective Mortgage with PUD Rider being selected and included copy of executed PUD Rider for subject | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 FICO exceeds guideline of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 15 years at current job. |
| 305085738 | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title vesting reads XXXXXX but Mortgage reads XXXXXX, a married woman. | 3.4.2026 Client provided executed warranty Deed showing vesting asXXXXXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 FICO exceeds guideline of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 15 years at current job. |
| 305089706 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The file is missing the Ability to Repay Attestation | 3.12.2026 Client provided executed by B1 (only) Notice to Borrower: ATR Disclosure, condition remains not executed by both borrowers, only received executed by B1 3.23.2026 Client provided executed by B2 notice to Borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 31 years in current profession |
| 305085704 | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 38.18% below guideline requirement of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 38.32% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months |
| 305085706 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing a Ability to Repay Attestation | 3/12 Client provided the signed ATR | Satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 21% |
| 305085708 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.33 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 20 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 49.27% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 76 months exceeds guidelines of 12 months |
| 305085725 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 30%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 27% |
| 305085707 | XXXXXX | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.25 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 29.95% below guideline requirement of 45%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 18.9 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8.4 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 51 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 57.89% below guideline requirements of 75% |
| 305085709 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 23.47% below guideline requirement of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 74.46% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 55 months xceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years |
| 305085700 | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.8 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.06% below guideline requirement of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69.61% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 67 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 14.17 years |
| 305089692 | XXXXXX | XXXXXX | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 16 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 778 > is above guideline minimum credit score 720. |
| 305085703 | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 61 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 55.41% below guideline requirements of 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.5 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 31.41% below guideline requirement of 45% |
| 305085727 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3970 | TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. | No | \*\*03/18/2026 Review of PCCD 3/17. Loan Disclosures has both May hold them and Does not accept Partial Payments. Provide corrected PCCD reflecting the correct Partial Payment indicators on page 4 with LOE to the Borrower for change. | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 64 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 27.54% below guideline requirement of 45%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 12 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 70.54% below guideline requirements of 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8.5 years |
| 305085727 | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 dated 02/24/2026- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 03/18/2026 Client provided PCCD 3/17 with correction. Condition remans for LOE to Borrower for the change to Non Escrows. 03/23/2026 Client provided LOE to Borrower. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 64 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 27.54% below guideline requirement of 45%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 12 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 70.54% below guideline requirements of 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8.5 years |
| 305089694 | XXXXXX | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 58 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 11.75 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 44.60% below guideline requirements of 75%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 10 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.06% below guideline requirement of 45% |
| 305089696 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 62 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 9.5 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 20 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 79.16% below guideline requirements of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 33.01% below guideline requirement of 45% |
| 305059090 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | Policy expiration date is 1/16/2026 and closing date is 1/16/2026. Provide new HOI policy | 2.2.2026 Client provided copy of HOI policy January 16, 2026 - 2027 and file having January 2025 - 2026 and provided evidence of payment receipt of updated new HOI policy | Condition satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 29 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 31 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 40.5 years |
| 305059064 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A C D | A | A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Missing Initial CD dated 11/17/2025 per the Mavent report on page 36. | 01/08/2026 Client provided missing Initial LE 11/17. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 70% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 7.5 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 31 years |
| 305059064 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A C D | A | A C | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Provide copy of Title | 1.9.2026 Client provided copy of subject Title Commitment | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 70% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 7.5 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 31 years |
| 305059035 | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 27.25 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 25 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.99% below guideline requirements of 80% |
| 305059070 | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 56.35% below guideline requirements of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.89% below guideline requirement of 45% |
| 305085701 | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6.87 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 91 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.94% below guideline requirement of 45% |
| 305059052 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Provide the P&L statement | 1/21 Client provided an Email that per Corres support the P&L is not required; Per Gls P&L is required1.28.2026 Client provided end of year 12.2025 Profit/Loss for self employed Schedule C business | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 53.61% below guideline requirements of 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of F 28 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.58% below guideline requirement of 45% |
| 305059052 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No | Provide the balance sheet statement | 1/21 Client provided an Email that per Corres support the Bal sheet is not required; Per Gls Bal sheet is required1/30 Client provided a YTD Balance sheet however it is not signed; Provide a signed dated balance sheet per GLs 2.2.2026 Client provided end of year 2025 YTD signed Balance Sheet for self employment | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 53.61% below guideline requirements of 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of F 28 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.58% below guideline requirement of 45% |
| 305059037 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A C B D | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 | Closing Disclosure dated 1/20/2026 Loan Disclosures - Escrow Account; will not have an escrow account because you declined it or your lender does not offer one. A selection was not made on the CD. | 02/02/2026 Client provided another copy of the signed, Final CD 1/20 reflecting correction. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 19 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 40.98% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 26 years |
| 305059037 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A C B D | A | A C B | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide a VVOE for the co-borrower. | 1.30.2026 Client provided VVOE for B2 dated 1.12.2026 | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 19 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 40.98% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 26 years |
| 305059037 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A C B D | A | A C B | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Provide income documentation for the co-borrower | 1.30.2026 Client provided Written VOE for B2 dated 1.5.2026 covering YTD 2025 and prior two years earnings, income used for qualifying supported. | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 19 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 40.98% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 26 years |
| 305059037 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | A | A C B D | A | A C B | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Provide copy of Title | 1.30.2026 Client provided subject Title Commitment | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 19 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 40.98% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 26 years |
| 305085716 | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 21 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x59 exceeds mortgage history guidelines. |

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## Exhibit 99.14

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.14**

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Property Valuation Grade** | **Final Securitization Loan Property Valuations Grade** | **Initial S&P Loan Property Valuation Grade** | **Final S&P Loan Property Valuations Grade** | **Did Lender Acknowledge Exception at Origination** |
| 305063842 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305061733 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305086101 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | No |
| 305059607 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304903209 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305067126 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305077095 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305079700 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305077707 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | No |
| 305037137 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305076251 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305061487 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 304858251 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305068833 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068832 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068830 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068829 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068828 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068827 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068826 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068825 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068824 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068823 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068822 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068821 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068820 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068819 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068818 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068817 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068816 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068815 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068814 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068812 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305068811 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068810 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068809 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068808 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068807 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305068806 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068805 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068804 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068803 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068802 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068801 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068800 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068799 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068798 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068797 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | No |
| 305068796 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068795 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068794 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068793 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068792 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D C | A | A D | Not Applicable |
| 305068791 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068790 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068789 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068788 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068787 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068786 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068785 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A D B | A | A D B | No |
| 305068784 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068783 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068782 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068781 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068780 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068779 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068778 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068777 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068776 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068775 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068774 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068773 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068772 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305068771 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068770 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068769 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068768 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068767 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068766 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068765 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305068764 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068763 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068762 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068761 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068760 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068759 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068758 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305068757 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068756 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068755 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068754 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068753 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068752 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068751 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068750 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068749 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305068748 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068747 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068746 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068745 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068744 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068742 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305068741 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068740 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068739 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068738 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068737 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068736 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068735 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068734 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068733 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068732 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068731 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068730 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068729 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068728 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068727 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068726 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068725 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068724 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068723 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068722 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068721 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305068720 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068719 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068718 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068717 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068716 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068715 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068714 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068713 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305068712 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068711 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068710 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Yes |
| 305068709 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068707 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068706 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068705 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068704 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B C | A | A B | Not Applicable |
| 305068703 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068702 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305068701 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068700 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068698 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068697 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068696 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068695 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068694 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068693 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068692 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068691 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068690 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068689 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068688 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068687 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305068686 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068685 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068684 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068683 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068682 | XXXXXX | Yes | XXXXXX | XXXXXX B | B | B A C | B | B A | No |
| 305068681 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068680 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068679 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068678 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068677 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068676 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068675 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068674 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068673 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068672 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068671 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068670 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068669 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068668 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305068667 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068666 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068665 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068664 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305068663 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068662 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068661 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068659 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068658 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068657 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068656 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068655 | XXXXXX | Yes | XXXXXX | XXXXXX | C | A C | C | A | No |
| 305068654 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068653 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305068652 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068651 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068649 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068648 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | No |
| 305068647 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068646 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305068645 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068644 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068643 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068642 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305068641 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068640 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068639 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068638 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | No |
| 305068637 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068636 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068635 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068634 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068633 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068632 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068631 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068630 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068629 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068628 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068627 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305068626 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068625 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068624 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068623 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068622 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068621 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068620 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D C | A | A D | Not Applicable |
| 305068619 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068618 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068617 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068616 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068615 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068613 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068612 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068610 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068609 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068608 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068607 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068606 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068605 | XXXXXX | Yes | XXXXXX | XXXXXX | C | A C | C | A | No |
| 305068604 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | No |
| 305068603 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068602 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305068601 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068600 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068599 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068598 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068597 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068596 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068595 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068594 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068593 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068592 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068591 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068590 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068589 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068588 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068587 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068586 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068585 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068584 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068583 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068582 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068581 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068580 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068579 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068578 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068577 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068576 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068575 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068574 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | No |
| 305068573 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068572 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068571 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | Not Applicable |
| 305068570 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068569 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068568 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068567 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068566 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068565 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068564 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068563 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068562 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068561 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068560 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068559 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068558 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068557 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068556 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068555 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068554 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068553 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068552 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068550 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068549 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068548 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068547 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068546 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068545 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | No |
| 305068544 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305068543 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068542 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068541 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068540 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068539 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068538 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068537 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068536 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068535 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068534 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068533 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068532 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068531 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068530 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068529 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068528 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068527 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305068526 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068525 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068524 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068523 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068522 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068521 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068520 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068519 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068518 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068517 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068516 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068515 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A D B | A | A D | No |
| 305068514 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068513 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305068512 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068510 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068509 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A D B | A | A D B | No |
| 305068508 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068507 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068506 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068505 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068504 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068503 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068502 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068501 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068500 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068499 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068498 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068497 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068496 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068495 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068494 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068493 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068492 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068491 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068490 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068489 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068488 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305068487 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068486 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068485 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A B C | A | A B | No |
| 305068484 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068483 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068482 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068481 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305068480 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068479 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068478 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305068477 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068476 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068475 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068474 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305068473 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068472 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068471 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068470 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068469 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068468 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068467 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068466 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068465 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068464 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068463 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305068462 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068461 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305068460 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068459 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068458 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068457 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068456 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | No |
| 305068455 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068454 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | No |
| 305068453 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068452 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305068451 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068450 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068449 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068448 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068447 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068446 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068445 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068444 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305068443 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068442 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068441 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068440 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305068439 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068438 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A D B | A | A D B | No |
| 305068437 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068436 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068435 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068434 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068433 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068432 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068431 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305068430 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068429 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068428 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068427 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068426 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068425 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068424 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068423 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068422 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068421 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068420 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068419 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068418 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068417 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068416 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068415 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068414 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068413 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068412 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305068411 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068410 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068409 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A D B | A | A D B | Not Applicable |
| 305068408 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068407 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068406 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068405 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068404 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305068403 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068402 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068401 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068400 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068399 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068398 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | Not Applicable |
| 305068397 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068396 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068395 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068394 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068393 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068392 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068391 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068390 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068389 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068388 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | No |
| 305068387 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068386 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068385 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068384 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | No |
| 305068383 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305068382 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305068381 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068380 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A B D | A | A B | Not Applicable |
| 305068379 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068378 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B C | A | A B | Not Applicable |
| 305068377 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068376 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068375 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068374 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068373 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068372 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068371 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068370 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068369 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068368 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068367 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068366 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305068365 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068364 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068363 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068362 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068361 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068360 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305068359 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068358 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068357 | XXXXXX | Yes | XXXXXX | XXXXXX B | B | B A | B | B A | Not Applicable |
| 305068356 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068355 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305068354 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068353 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068352 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068351 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068350 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068349 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068348 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068347 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068346 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | No |
| 305068345 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068344 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068343 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068342 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068341 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068340 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068339 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068338 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068337 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068336 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068335 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068334 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068333 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068332 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068331 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068330 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305068329 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068328 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068327 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068326 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068325 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068324 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068323 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | No |
| 305068322 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068321 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068320 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068319 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305068318 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068317 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068316 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068315 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068314 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068313 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068312 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068311 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068310 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068309 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068308 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305068307 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068306 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305068305 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068304 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068303 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068302 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305068301 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068300 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068299 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068298 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068297 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068296 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068295 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305068294 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068293 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068292 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068291 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068290 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305068289 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068288 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068287 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068286 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068285 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305068284 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068283 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068282 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068281 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305068280 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068279 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068278 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068277 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305068276 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068275 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068274 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068273 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305068272 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305068271 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068270 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305068269 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068268 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068267 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068266 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068265 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068264 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068263 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068262 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068261 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305068260 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068259 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068258 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068257 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305068256 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305068255 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068254 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068253 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068252 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068251 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068250 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068249 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068248 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068247 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068246 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305068245 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068244 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068243 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068242 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068241 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305068240 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068239 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068238 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068237 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305068236 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068235 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305068234 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068233 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068232 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068231 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068230 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068228 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068227 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068226 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068225 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068224 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068223 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068222 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A B D | A | A B | Not Applicable |
| 305068221 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305068220 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068219 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068218 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068217 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068216 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305068215 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068214 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068213 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068212 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068211 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068210 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068209 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068207 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068205 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068204 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A C D | A | A C | Not Applicable |
| 305068203 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068202 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068201 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305061655 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305076191 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | No |
| 305049358 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305065522 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305064621 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305078179 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305080108 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305060957 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305064417 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305046200 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305046199 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305046193 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305046184 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A D B | A | A D B | Not Applicable |
| 305046182 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305046181 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305038031 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305064801 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305060949 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305075909 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305061070 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305038753 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305080111 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | No |
| 305072162 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305054907 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305013302 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | Not Applicable |
| 305076775 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305059336 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A B C | N/A | N/A B | Not Applicable |
| 305063530 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304896367 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305031475 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305054356 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305054658 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305079699 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305057971 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305055587 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305078152 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305044928 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305088111 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305061679 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305057752 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | Not Applicable |
| 305070989 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305061643 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305050362 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305055944 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305057747 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305057816 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | No |
| 305053513 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305052673 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305069790 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305067959 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305061596 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305076960 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305026487 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305069567 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305065262 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305064028 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A C D | N/A | N/A C | Not Applicable |
| 305089710 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | No |
| 305043006 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305042029 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | No |
| 305064891 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305086004 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A B D | N/A | N/A B | Not Applicable |
| 305065625 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305075395 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305031640 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304908560 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 304953596 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305042635 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305056899 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305069359 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305079748 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 305057652 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305054982 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305062733 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305074552 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A C B D | N/A | N/A C B | No |
| 305052667 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305044940 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305042977 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305070069 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | Not Applicable |
| 305067965 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | No |
| 305069767 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305069789 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305024955 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305061701 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305054958 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305061649 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305087156 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | No |
| 305069629 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305013391 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | No |
| 305060698 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305052054 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305078183 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305047513 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305053311 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305079869 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305051404 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305057651 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305073493 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305052035 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305061180 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305079703 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305054848 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305045947 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305041949 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | Not Applicable |
| 305057585 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305080384 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305069766 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305082189 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305059606 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305051856 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305076774 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305086560 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305056933 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | No |
| 305078678 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Yes |
| 305083025 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | No |
| 305063342 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305054627 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305064238 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305078769 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305042055 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305054902 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | Not Applicable |
| 305029670 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C | Not Applicable |
| 305071595 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305054971 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305069358 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305063328 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305064342 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305078706 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305071195 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 305053317 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305063689 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305077748 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305060978 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305057499 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305064119 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305079843 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305061523 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305074551 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305082792 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305062743 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305063314 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B C | N/A | N/A B | No |
| 305074550 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305061069 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305075929 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305053515 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | No |
| 305069565 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305042028 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305082230 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Yes |
| 305070968 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305066672 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305083205 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305053309 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305064341 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305057785 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305056731 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305077452 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305051087 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305057768 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D C | N/A | N/A D | No |
| 305057650 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305079434 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305057976 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305073570 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305043939 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305071591 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305039472 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | No |
| 305076776 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305070963 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D C | N/A | N/A D | No |
| 305053604 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305063759 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305061050 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305071754 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | No |
| 305057894 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305088369 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | Not Applicable |
| 305063606 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305063693 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304905179 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | No |
| 305012632 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 305070087 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305030739 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | Not Applicable |
| 305053724 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305061230 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305060709 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305031510 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305065521 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305086826 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305037831 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | No |
| 305074996 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 304893502 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304909881 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305081465 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305075902 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305084617 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | No |
| 305059094 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059093 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305059092 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A C B D | A | A C B | Not Applicable |
| 305059091 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305059090 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305059089 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305085753 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085752 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085751 | XXXXXX | Yes | XXXXXX | XXXXXX | C | A C | C | A | No |
| 305059088 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085750 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085749 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059087 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059086 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305059085 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305085748 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305059084 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A C D | A | A C | Not Applicable |
| 305059083 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059082 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305059081 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305059080 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059079 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059078 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305059077 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305059076 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305059075 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305059074 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305059073 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059072 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059071 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059070 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059069 | XXXXXX | Yes | XXXXXX | XXXXXX D | D | A D | D | A | Not Applicable |
| 305059068 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305059067 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085747 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305085746 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059066 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059065 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305085745 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305059064 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A C D | A | A C | Not Applicable |
| 305059063 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305059062 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059061 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305059060 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305059059 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059058 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059057 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059056 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059055 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305059054 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A D B | A | A D B | Not Applicable |
| 305059053 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059052 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305059051 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059050 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059049 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305059048 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059047 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305059046 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059045 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059044 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059043 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305059042 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059041 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059040 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305085744 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085743 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059039 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059038 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085742 | XXXXXX | Yes | XXXXXX | XXXXXX | C | A C | C | A | No |
| 305059037 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A C B D | A | A C B | Not Applicable |
| 305059036 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305085741 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A C D | A | A C | Not Applicable |
| 305059035 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085740 | XXXXXX | Yes | XXXXXX | XXXXXX D B | D | A C B D | D | A C B | Not Applicable |
| 305085739 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085738 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305085737 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A C D | A | A C | Not Applicable |
| 305085736 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059034 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305085735 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305059033 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059032 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A C B D | A | A C B | Not Applicable |
| 305085734 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085733 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085732 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089708 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089707 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A D B C | A | A D | Not Applicable |
| 305085731 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305085730 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085729 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305089706 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305089705 | XXXXXX | Yes | XXXXXX | XXXXXX D | D | A C D | D | A C | Not Applicable |
| 305085728 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085727 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305085726 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085725 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089704 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305085724 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305085723 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305085722 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305085721 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085720 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085719 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305085718 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A B C | A | A B | No |
| 305085717 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089703 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305085716 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085715 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305085714 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085713 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085712 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305085711 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305085710 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089702 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085709 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085708 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089701 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085707 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085706 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305089699 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085705 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089698 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089697 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305085704 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085703 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085702 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089696 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089695 | XXXXXX | Yes | XXXXXX | XXXXXX D | D | A D | D | A | Not Applicable |
| 305089694 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089693 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085701 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089692 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085700 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089691 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305085699 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305085698 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089690 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089689 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A C B D | A | A C B | Not Applicable |
| 305089688 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305029224 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305044946 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305013322 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305051101 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | No |
| 304875980 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | No |
| 305048648 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | Not Applicable |
| 305028288 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305026580 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305063854 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305028411 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305059132 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 304898855 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304904061 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304898854 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304905069 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | No |
| 304909076 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 304903217 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D | No |
| 305027131 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304904596 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 304870488 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305038026 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304907074 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | No |
| 304910952 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304908594 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 304909721 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305073567 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 304909790 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | No |
| 304909890 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | No |
| 304933517 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305013231 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 304896424 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305023768 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305023995 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | No |
| 305023993 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | No |
| 305024463 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305046007 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305025035 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305024952 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305025034 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | No |
| 305026468 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305030606 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305026483 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305027050 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305027374 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305027128 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | No |
| 305026572 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305029263 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | Not Applicable |
| 305027283 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305031211 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305026567 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305026564 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305027016 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305027183 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305027281 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305031014 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305028481 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305036848 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305029840 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305027505 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305028255 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305029211 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305028285 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305028964 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305028409 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305031712 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305028276 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305029618 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305047509 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305030912 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305028968 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305029590 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305029588 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C | Not Applicable |
| 305031598 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305056693 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305029786 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305046094 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305030501 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305028961 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | No |
| 305042064 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305030543 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305036902 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305030592 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305033656 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305031138 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305031201 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305055953 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305031199 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305031553 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305031270 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305031584 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305038750 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 305031454 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A C D | N/A | N/A C | Not Applicable |
| 305036900 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | Not Applicable |
| 305032243 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305031552 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A B D | N/A | N/A B | Not Applicable |
| 305036552 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305042268 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305034519 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305031711 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305038749 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 305031710 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305033641 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 305031701 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305036641 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305034518 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305032269 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 305054582 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305039381 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305032514 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305032527 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305042267 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305033640 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305063313 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305036757 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | No |
| 305034693 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305037846 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305034692 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305034656 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305034587 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | No |
| 305037844 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305036756 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305036776 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305040485 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305049889 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305036239 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305036238 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305036775 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305036638 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305057655 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305036895 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | No |
| 305044944 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305037843 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305047118 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305038735 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305040451 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305038358 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305037842 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305038052 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305043015 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D C | N/A | N/A D | No |
| 305038690 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305038023 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305038356 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305039519 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305042266 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305040608 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305038852 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305039518 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305040450 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305040493 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305039517 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305040449 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305067139 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305039634 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305039632 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305061570 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305084599 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305045648 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305040492 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305042265 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305059345 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D | Not Applicable |
| 305044825 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305045633 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305047548 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305042078 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305042062 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305053733 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | Not Applicable |
| 305046004 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305042263 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305042262 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305042261 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305042260 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305051407 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305042257 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305047117 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305045632 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305042255 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305042671 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305042670 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305042254 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305042253 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305042631 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305030548 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305042251 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305042630 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305046093 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305043014 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305042668 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305043013 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305062580 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305043012 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305044624 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305044888 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305044771 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | Not Applicable |
| 305044823 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305047512 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305044767 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305044822 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305048647 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305044821 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305069771 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305044820 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | Not Applicable |
| 305044819 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305047116 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305045272 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305044885 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305045647 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305053665 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305046090 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305046002 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305051851 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305047196 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305056520 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305050130 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305046085 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305047115 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305047114 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305049363 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305047496 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305047444 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305047511 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305047508 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305063782 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305053664 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305050065 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D | No |
| 305038765 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305047775 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305051148 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305047845 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305057654 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305053602 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305050802 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 304973619 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305049881 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | Not Applicable |
| 305050043 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305061569 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D | Not Applicable |
| 305062356 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305057452 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305050127 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305057481 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305050125 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305051098 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305050124 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D C | N/A | N/A D | No |
| 305050750 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305050749 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305054867 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305051460 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305051084 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305056820 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305053332 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305053349 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305051848 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305054368 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305052627 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305052045 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | No |
| 305053331 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305054962 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305054961 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D C | N/A | N/A D | Not Applicable |
| 305056519 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305052675 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305054568 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | No |
| 305053663 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305053330 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305053328 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305053341 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305053348 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305054581 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | No |
| 305053662 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305053600 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | No |
| 305053661 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305053732 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305053731 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305056499 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305056943 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305054287 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305054286 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305054284 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305064094 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305054283 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305054281 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305054580 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D | Not Applicable |
| 305054367 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305057890 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305054853 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305054579 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305054642 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | Not Applicable |
| 305054864 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305054852 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305060613 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305032267 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305056942 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305054863 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305060164 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305056497 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305054977 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A C D | N/A | N/A C | Not Applicable |
| 305056518 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305052676 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305056692 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305065896 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305056512 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305056646 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305056645 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305056819 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | No |
| 305056882 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305057782 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305056880 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305056900 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305056895 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305056941 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305057647 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305056940 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305057448 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305060972 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305057645 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305057643 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305060971 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305061688 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305060162 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305057642 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305057641 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305061763 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305057765 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305060970 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305051406 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305058320 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305057889 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305059131 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305057907 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305057909 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305057933 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305060161 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305061686 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305058318 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305059130 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305059129 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305060422 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305059597 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305061496 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305059735 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305059734 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305059733 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | No |
| 305061054 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305061495 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305060690 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305067493 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305060419 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305063338 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305061685 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | No |
| 305060672 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305062603 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305067098 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305061052 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305061603 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305061227 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | No |
| 305067612 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305061225 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305062577 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305061222 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305064625 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305061519 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305063293 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | No |
| 305061509 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305063851 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305065030 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305064961 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305067097 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305061218 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305061736 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305062575 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305061762 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305063702 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305062355 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305062380 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305063334 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305062574 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305063540 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305070966 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305062573 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305062598 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305062597 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305063850 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305064642 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305063337 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305063539 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305063620 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305032273 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305063592 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | No |
| 305063848 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305063813 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305063777 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305063812 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305064092 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | No |
| 305066795 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305069377 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305064089 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305064959 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305064251 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305066291 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | No |
| 305069620 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305067137 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305064249 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305064772 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305066290 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305068179 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305067610 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305064956 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305066289 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305077744 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305065887 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305065885 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305066287 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305066794 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305078923 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D | No |
| 305069782 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D | Not Applicable |
| 305067454 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305069041 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305069619 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305068177 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D | Not Applicable |
| 305069126 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305069039 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305069770 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305069701 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305069368 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | No |
| 305069367 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305069700 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305070076 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305069839 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305070074 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305070012 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305075920 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305070534 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305070532 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305071762 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305071760 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305073563 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305077094 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305075423 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305070552 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305077092 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305077091 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305075918 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305076189 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305078212 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305078537 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305031626 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305042640 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305013569 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305028215 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305031320 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304889576 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | No |
| 304903247 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305028428 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305013278 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305027060 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 304904279 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 304909640 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305030976 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305013329 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | No |
| 304983636 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | No |
| 305012532 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305042056 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305031599 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305031539 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305053352 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305031461 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305076292 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305031634 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305030914 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | Not Applicable |
| 305031052 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305044817 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305032518 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305023979 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | Not Applicable |
| 305025041 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305031319 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305064095 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305035457 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305033754 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305062367 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305037150 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305049357 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305036785 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | No |
| 305046139 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305038055 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305040482 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305047788 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305057670 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305046170 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305047130 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305050755 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305050804 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305059764 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305061510 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305060703 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305066283 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305060740 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305060820 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305062738 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305066742 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305064774 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305064635 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305066806 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305065534 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305068182 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305069069 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305071197 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305051136 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305030763 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305030762 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304905064 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305044866 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305052044 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305030702 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305029329 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305053470 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305033712 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305055879 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305068886 | XXXXXX | Yes | XXXXXX | XXXXXX B | B | B A | B | B A | Not Applicable |
| 305068885 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068884 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068883 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D C | A | A D | No |
| 305068882 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068880 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068879 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A D B | A | A D B | Yes |
| 305068878 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068877 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305068876 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305068875 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068874 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305068873 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068872 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068871 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305068870 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305068869 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068868 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068867 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068866 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068865 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068864 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068863 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068862 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068861 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305068860 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068859 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305068858 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Yes |
| 305068857 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068856 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068855 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068854 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A D B | A | A D B | Not Applicable |
| 305068853 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068852 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068851 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068850 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068849 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068848 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068847 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068846 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068845 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068844 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305068843 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068842 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068841 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305068840 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068839 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068838 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068837 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068836 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305068835 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305068834 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304905149 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304904054 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A C B D | N/A | N/A C B | No |
| 305055946 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305054308 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305012550 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305038768 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305038020 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 305038019 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305026227 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305013558 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305023967 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B C | N/A | N/A D B | No |
| 305013623 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 304909100 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | No |
| 304843370 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | No |
| 305031256 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305027182 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305013562 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 304899137 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305024816 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D B | Not Applicable |
| 305088361 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304904497 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | Not Applicable |
| 305096923 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304905040 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 304905062 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305085944 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A D | Not Applicable |
| 305054954 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305030588 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305050098 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305042634 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305026608 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304909776 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305049356 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A B D | N/A | N/A B | Not Applicable |
| 305045280 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305025022 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305029583 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A D | No |
| 304911725 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305024765 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A C | Not Applicable |
| 305028478 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A C D | N/A | N/A C | Not Applicable |
| 305047907 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304893899 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C | Not Applicable |
| 304909799 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D C | N/A | N/A D | No |
| 304898924 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305050047 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304909521 | XXXXXX | Yes | XXXXXX | XXXXXX D | N/A | N/A D C | N/A | N/A D | No |
| 305085697 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059031 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059030 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305059029 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305085696 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085695 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089687 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085694 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305089686 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085693 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305085692 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085691 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305085690 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305085689 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305089685 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059028 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085688 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059027 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305089684 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059026 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059025 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305089683 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059024 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059023 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059022 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085687 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A D B | A | A D B | Not Applicable |
| 305085686 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059021 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305059020 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089682 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059019 | XXXXXX | Yes | XXXXXX | XXXXXX B | C | B A C | C | B A | Not Applicable |
| 305085685 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059018 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085684 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305089681 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059017 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089680 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305059016 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085683 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089679 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059015 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089678 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059014 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085682 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059013 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059012 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085681 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085680 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | Not Applicable |
| 305059011 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059010 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059009 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A B D | A | A B | Not Applicable |
| 305059008 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059007 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059005 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059004 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305059003 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089677 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305059002 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305059001 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089676 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085679 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305059000 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058999 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305085678 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085677 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058998 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | Not Applicable |
| 305058997 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058996 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085676 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085675 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058995 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089675 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058994 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058993 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305089674 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058992 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | No |
| 305085674 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058991 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058990 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305085673 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305085672 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058989 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089673 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058988 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058987 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058986 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305058985 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058984 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085671 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058983 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089672 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085670 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058982 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058981 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058980 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085669 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305089671 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058979 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058978 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058977 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058976 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058975 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085668 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058974 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305058973 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085666 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058972 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058971 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058970 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305058969 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085665 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058968 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058967 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089670 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058966 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058965 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305058964 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | No |
| 305089669 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085664 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058963 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058962 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058961 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058960 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | No |
| 305058959 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058958 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058957 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085663 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085662 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085661 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089668 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058956 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089667 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058955 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089666 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085660 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058954 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058953 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058952 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085659 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058951 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058950 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058949 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305085658 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Yes |
| 305058948 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058947 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305089665 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058946 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089664 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085657 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | No |
| 305058945 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058944 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058943 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305085656 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305085655 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | No |
| 305058942 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058941 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058940 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085654 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058938 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089663 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058937 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058936 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058935 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058934 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085653 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058933 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305085652 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089662 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089661 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058932 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305085651 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089660 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058931 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085650 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058930 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058929 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058928 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058927 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058926 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058925 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085649 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058924 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058922 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089659 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304814476 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085648 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305089658 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305085647 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058921 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305085646 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085645 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085644 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058920 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305085643 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058919 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305085642 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058918 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305058917 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085641 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085640 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085639 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058916 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | No |
| 305089657 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305089656 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | No |
| 305089655 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089654 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058915 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305058914 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089653 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085638 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058913 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089652 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058912 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058911 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058910 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058909 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058908 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305058907 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305085637 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058906 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085636 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058905 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085635 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305089651 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085634 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085633 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058904 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058903 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058902 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089650 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058901 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058900 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058899 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085632 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305085631 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058898 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089649 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058897 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058896 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089648 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058895 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058894 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | No |
| 305058893 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058892 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058891 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058890 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058889 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089647 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058887 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058886 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305058885 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | No |
| 305058884 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058883 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089646 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058882 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085630 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085629 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058881 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058880 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305085628 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085627 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089645 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | Not Applicable |
| 305058879 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058878 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058877 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058876 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058875 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058874 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058873 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058872 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085626 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085625 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085624 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089644 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058871 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058870 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058869 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089643 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089642 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058868 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | No |
| 305058867 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085623 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085622 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058866 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089641 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058865 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058864 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085621 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058863 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058862 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305058861 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058860 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305085620 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058859 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085619 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305089640 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089639 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058858 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089638 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085618 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085617 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305058857 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085616 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089637 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058856 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089636 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058855 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058854 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058853 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058852 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058851 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058850 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085615 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089635 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D C | A | A D | No |
| 305085614 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085613 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089634 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085612 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305089633 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305085611 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058849 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305058848 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085610 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058847 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085609 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305089632 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085608 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058846 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058845 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058844 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089631 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058843 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085607 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085606 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058842 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058841 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085605 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058840 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085604 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058839 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085603 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085602 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058838 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089630 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089629 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058837 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058836 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C | No |
| 305058835 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085601 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058834 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305058833 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058832 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305085600 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058831 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058830 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085599 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085598 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058829 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | No |
| 305058828 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058827 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085597 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085596 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089628 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058826 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305058825 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058824 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058823 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085595 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305085594 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058822 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085593 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058821 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085592 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058820 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085591 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305058819 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085590 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085589 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058818 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058817 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085588 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305085587 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089627 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058816 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305058815 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058814 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089626 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058813 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058812 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305058811 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089625 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | Not Applicable |
| 305058810 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305085586 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058809 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058808 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058807 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089624 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058806 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304814308 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085585 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305085584 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058805 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089623 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085583 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085582 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085581 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085580 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085579 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058803 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058802 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058801 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058800 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058799 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058798 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058797 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304435863 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058796 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058795 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058794 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058793 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058792 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089622 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Yes |
| 305058791 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085578 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058790 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085577 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058789 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085576 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085575 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085574 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058788 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085573 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089621 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058787 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089620 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058786 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305058785 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305058784 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058783 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089619 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305085572 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085571 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305058782 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085570 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058781 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058780 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058779 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089618 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089617 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058777 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058776 | XXXXXX | Yes | XXXXXX | XXXXXX B | C | A C B | C | A | No |
| 305085569 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089616 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058775 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305085568 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085567 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085566 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058774 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058773 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058772 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305089615 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058771 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058770 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305085565 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085564 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305058769 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305058768 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085563 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305089614 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089613 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085562 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085561 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089612 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085560 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058767 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085559 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305058766 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085558 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089611 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089610 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058765 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089609 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058764 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089608 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058763 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058762 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089607 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058761 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058760 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089606 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085557 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058759 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058758 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058757 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058756 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089605 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058755 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058754 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085556 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085555 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058753 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305085554 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089604 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058752 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305089603 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058751 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058750 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089602 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085553 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058749 | XXXXXX | Yes | XXXXXX | XXXXXX D | D | A B D C | D | A B | No |
| 305058748 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058747 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058746 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058745 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058744 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305089601 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085552 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058743 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305089600 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085551 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085550 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085549 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058742 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085548 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058741 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058740 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058739 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | No |
| 305058738 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058737 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | No |
| 305089599 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089598 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D C | A | A D | No |
| 305085547 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305058736 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085546 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085545 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085544 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089597 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058735 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305058734 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089596 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089595 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058733 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058732 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | Not Applicable |
| 305085543 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058731 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058730 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058729 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085542 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058728 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058727 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085541 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058726 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085540 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058725 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058724 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058723 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058722 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058721 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089594 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305085539 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058720 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058719 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085538 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089593 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085537 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058718 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058717 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | Not Applicable |
| 305058716 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058715 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305089592 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058714 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058713 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058712 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058711 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058710 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305058709 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085536 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085535 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058708 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058707 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058706 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058705 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089591 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089590 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058704 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085534 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085533 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305085532 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305058703 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058702 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058701 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058700 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058699 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058698 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085531 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058697 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085530 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A D B | A | A D B | No |
| 305089589 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089588 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058696 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058695 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085529 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058694 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058693 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085528 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305085527 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058692 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305085526 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305058691 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085525 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085524 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085523 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058690 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058689 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058688 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089587 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089586 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058687 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058686 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058685 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305085522 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058684 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058683 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305085521 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058682 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085520 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085519 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058681 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058680 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | No |
| 305089585 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058679 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085518 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | No |
| 305085517 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305058678 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085516 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089584 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058677 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058676 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058675 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085515 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305058674 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058673 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085514 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058672 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | No |
| 305089583 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085513 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305058671 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304435747 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085512 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085511 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058670 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085510 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089582 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058669 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089581 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058668 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089580 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058667 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058666 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089579 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305058665 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085509 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058664 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058663 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058662 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058661 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085508 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058660 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085507 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058659 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085506 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089578 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058658 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058657 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085505 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305089577 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085504 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085503 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089576 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058655 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085502 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058654 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058653 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085501 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085500 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058652 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305089575 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089574 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058651 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058650 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058649 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058648 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089573 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085499 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305058647 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305058646 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089572 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085498 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058645 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058644 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085497 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058643 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089571 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058642 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | Not Applicable |
| 305085496 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058641 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085495 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058640 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305058639 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305058638 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305058637 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085494 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058636 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085493 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058635 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085492 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058634 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089570 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058633 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058632 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085491 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058631 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089569 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058630 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058629 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058628 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | No |
| 305085490 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085489 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085488 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305058627 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058626 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085487 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085486 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058625 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089568 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058624 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089567 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058623 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058622 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089566 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089565 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085485 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305089564 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085484 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058621 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058620 | XXXXXX | Yes | XXXXXX | XXXXXX | C | A C | C | A | No |
| 305058619 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058618 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058617 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089563 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085483 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305058616 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058615 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058614 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058613 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085482 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085481 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085480 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089562 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058612 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085479 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085478 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058611 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085477 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085475 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A D B | A | A D B | Not Applicable |
| 305085474 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085473 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089561 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058610 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058609 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | No |
| 305058608 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085472 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305058607 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085471 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058606 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058605 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058604 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305085470 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305085469 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058603 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Yes |
| 305058602 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058601 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | No |
| 305058600 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058599 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085468 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085467 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058598 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089560 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085466 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305089559 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305058597 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058596 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085465 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058595 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058594 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058593 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305085464 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058592 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058591 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058590 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089558 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058589 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058587 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085463 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058586 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305058585 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085462 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085461 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305058584 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305058583 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058582 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058581 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058580 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058579 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | No |
| 305058578 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058577 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058576 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058575 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085460 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058574 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305058573 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085459 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058572 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058571 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058570 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085458 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058569 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089557 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058568 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058567 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089556 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085457 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085456 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085455 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085454 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085453 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058566 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085452 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305089555 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058565 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058564 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085451 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305058563 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085450 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058562 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058561 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058560 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058559 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085449 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305085448 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305058558 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058557 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089554 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058556 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305058555 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058553 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058552 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085447 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058551 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085446 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305058550 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085445 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085444 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058549 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089553 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058548 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089552 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089551 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085443 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Yes |
| 305058547 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | Not Applicable |
| 305089550 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058546 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089549 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089548 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058545 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085442 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305058544 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085441 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085440 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085439 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085438 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085437 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305058543 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089547 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305058542 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305058541 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089546 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058540 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | No |
| 305085436 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058539 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058538 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058537 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058536 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A B D | A | A B | Not Applicable |
| 305058535 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305058534 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089545 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | No |
| 305058533 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | No |
| 305089544 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305058532 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058531 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085435 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085434 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305089543 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058530 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058529 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089542 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305058528 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058527 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085433 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058526 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089541 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085432 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | No |
| 305058524 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089540 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305085431 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058523 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305089539 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058522 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085430 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089538 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058521 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 304755716 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058520 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085429 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089537 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058519 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085428 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085427 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058518 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058517 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058516 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058515 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085426 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058514 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085425 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058513 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058512 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085424 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058511 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058510 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058509 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085423 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085422 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058508 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304633654 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058507 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085421 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058506 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058505 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085420 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089536 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089535 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058504 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089534 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058503 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058502 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089533 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085419 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058501 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058500 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089532 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058499 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089531 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058498 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058496 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058495 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085418 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058494 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058493 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305058492 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058491 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058490 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085417 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305058489 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305089530 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B C | A | A B | Not Applicable |
| 305058488 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058487 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058486 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058485 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058484 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058483 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085416 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085415 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085414 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085413 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058482 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085412 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058481 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089529 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305085411 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305058480 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085410 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304755652 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089528 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058479 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305085409 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058478 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058477 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089527 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089526 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305085408 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058476 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085407 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305058475 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058474 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085406 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058473 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089525 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058472 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085405 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058471 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058470 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058469 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | Not Applicable |
| 305058468 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058467 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304755621 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085404 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058466 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058465 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058464 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058463 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058462 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305089524 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089523 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058461 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085403 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085402 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305089522 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058460 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085401 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058459 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089521 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085400 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058458 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085399 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085398 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058457 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085397 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058456 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085396 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058455 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058454 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058453 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305085395 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089520 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089519 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058452 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085394 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085393 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089518 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058451 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085392 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085391 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085390 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305085389 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058450 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089517 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058449 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058448 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058447 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085388 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058446 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058445 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058444 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305058443 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085387 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305058442 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089516 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058441 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058440 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085386 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058439 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085385 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085384 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058438 | XXXXXX | Yes | XXXXXX | XXXXXX | C | A C | C | A | Not Applicable |
| 305085383 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305058437 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 304435515 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305058436 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058435 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | Not Applicable |
| 305058434 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | No |
| 305058433 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058432 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A B D | A | A B | No |
| 305089515 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058431 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058430 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058429 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305085382 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058428 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305085381 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | No |
| 305085380 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089514 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058427 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | Not Applicable |
| 305058426 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085379 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058425 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085378 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089513 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305058424 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058423 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058422 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058421 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058420 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058419 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058418 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058417 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058416 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058415 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | No |
| 305058414 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058413 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089512 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058411 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | No |
| 305089511 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085377 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058410 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058409 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058408 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058407 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058406 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058405 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305058404 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058403 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089510 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058402 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305085376 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058401 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305058400 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305058399 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 305089509 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058398 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058397 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058396 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089508 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085375 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058395 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085374 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058394 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058393 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089507 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058392 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305058391 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058390 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305058389 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305058388 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058387 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085373 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085372 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058386 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089506 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058385 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058384 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085371 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Yes |
| 305058383 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058382 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085370 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058381 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058380 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058379 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085369 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058378 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089505 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085368 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085367 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085366 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085365 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058377 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058375 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085364 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058374 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089504 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089503 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058373 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058372 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305058371 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058370 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089502 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058369 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305058368 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058367 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085363 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089501 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058365 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085362 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089500 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089499 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058364 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085361 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058363 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305089498 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058362 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A C B | No |
| 305058361 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058360 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085360 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058359 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058358 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305085358 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058357 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058356 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058355 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058354 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058353 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058352 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058351 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305089497 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089496 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305089495 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058350 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A C | Not Applicable |
| 305058349 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | No |
| 305085357 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305058348 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058347 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058346 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A B | Not Applicable |
| 305085356 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A D | Not Applicable |
| 305058345 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305058344 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304817587 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C | Not Applicable |
| 304889379 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304993695 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305024821 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 305023987 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305027462 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A C B | N/A | N/A C B | Not Applicable |
| 305029218 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305030556 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305031045 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305030757 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305031456 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305036789 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305042680 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305044884 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305045282 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A B | Not Applicable |
| 305054636 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305062287 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A C B D | N/A | N/A C B | No |
| 305074604 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |

---

## Exhibit 99.15

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 305063842 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061733 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305086101 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059607 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304903209 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305067126 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305077095 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305079700 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305077707 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305037137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305076251 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061487 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304858251 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068833 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068832 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068830 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068829 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068828 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068827 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 90.00 |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Veros | 10.000 | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068826 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068825 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | ICE (Intercontinental Exchange) | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068824 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068823 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068822 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068821 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068820 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068819 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068818 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068817 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068816 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068815 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068814 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068812 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068811 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068810 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068809 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068808 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068807 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068806 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068805 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 98.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068804 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068803 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305068802 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 305068801 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068800 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068799 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068798 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068797 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068796 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068795 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068794 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068793 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068792 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068791 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068790 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068789 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068788 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068787 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068786 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068785 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068784 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068783 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068782 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| 305068781 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068780 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068779 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068778 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068777 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068776 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068775 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068774 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068773 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068772 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068771 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068770 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068769 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068768 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| 305068767 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068766 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068765 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068764 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068763 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068762 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 79.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068761 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068760 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068759 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068758 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068757 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068755 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068754 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068753 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 305068752 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068751 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068750 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068748 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068747 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068746 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068745 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068744 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305068742 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068741 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068740 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068738 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068737 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068736 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068735 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068734 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068733 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068732 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068731 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068730 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068729 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068728 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068727 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068726 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068725 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068724 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068723 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068722 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068721 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068720 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068717 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068714 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068713 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068712 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068711 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068710 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068709 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AVE - Automated Valuation Estimator | VeroValue (Veros) | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068707 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068705 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068704 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068703 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| 305068700 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068698 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 20.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068697 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068696 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068695 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068694 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068693 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068691 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068689 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068688 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068687 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068686 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068685 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068684 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068683 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068682 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068681 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068680 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068679 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068678 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068677 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068676 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068675 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068674 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068673 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068672 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068671 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068670 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068669 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068668 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068667 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068666 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068665 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068664 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068662 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068661 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 68.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068659 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068658 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068657 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068656 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068655 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068654 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068653 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068652 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068649 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068648 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068647 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068646 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068645 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068644 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068643 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068642 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 14.00 |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | HouseCanary | 14.000 | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068639 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068637 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068636 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068635 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068634 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068633 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068632 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068631 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068630 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068629 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068628 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068627 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068626 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 0.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068625 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068624 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068623 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068622 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068620 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068619 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068618 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068617 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068616 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068615 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068613 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068612 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068610 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068609 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068608 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068607 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068605 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068604 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068603 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068602 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068601 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068600 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305068599 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068598 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 74.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068596 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue Preferred (Veros) | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068595 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068594 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068593 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068592 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068591 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068590 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068589 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068588 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068587 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068586 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068585 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AVE - Automated Valuation Estimator | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068584 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068583 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068582 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068581 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068580 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 72.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068579 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068578 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068577 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068576 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068575 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068574 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068573 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068572 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068571 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068569 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068568 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068567 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068566 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068565 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068564 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068563 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068562 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068561 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068560 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068559 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068558 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068557 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068555 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068554 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068553 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068552 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068548 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068547 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068546 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AVE - Automated Valuation Estimator | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068545 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068544 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068543 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068542 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068541 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068540 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068539 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068538 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068537 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068536 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068535 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AVE - Automated Valuation Estimator | HouseCanary | 83.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068534 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068533 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068532 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068531 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068530 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068529 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068528 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068527 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068526 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068525 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068523 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068522 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |
| 305068518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068517 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068515 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068514 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068512 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068509 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068508 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068507 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068506 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068505 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068504 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068503 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068502 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068501 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068500 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068494 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068492 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068491 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068490 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068489 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | CASA (Fiserv) | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068488 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068487 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068486 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068485 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068484 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068482 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068481 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068480 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068478 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068477 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068476 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068475 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068474 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068473 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068472 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068471 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068470 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068469 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068468 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068467 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068466 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068465 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068464 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068463 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068462 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068461 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068460 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068459 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068458 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068457 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068456 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 76.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068454 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068452 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 98.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068451 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068450 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068449 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068447 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068445 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AVE - Automated Valuation Estimator | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068443 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068441 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068440 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068439 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 305068438 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068437 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| 305068436 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068435 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305068432 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068430 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 78.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068427 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068424 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068423 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068421 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068420 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068418 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068417 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068416 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068415 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| 305068414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068413 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068412 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068411 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068410 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068409 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068408 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068405 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068403 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068401 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068400 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068397 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068396 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068395 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068394 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068389 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068388 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068387 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068386 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068383 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068382 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068380 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068377 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068375 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068374 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068372 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068371 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068370 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068369 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068367 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068366 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068365 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068364 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068363 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068362 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068361 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068360 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068357 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068355 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068354 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068353 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068352 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068351 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068349 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068348 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068346 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068344 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068343 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068341 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068340 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068339 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 10.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068335 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068333 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068332 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068330 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068328 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068327 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068326 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068325 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068324 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068320 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | ICE (Intercontinental Exchange) | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068319 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068318 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068317 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068316 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068314 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068313 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068312 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | HouseCanary | 0.100 | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068311 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068310 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068309 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068307 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068306 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068305 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 76.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068304 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068303 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| 305068302 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068301 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068300 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068299 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068298 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068297 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068296 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068295 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068294 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068292 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 | 02/13/2026 | $211377.00 | $0.00 | 0.00% | AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068291 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068289 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068288 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068287 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068286 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068285 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068282 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068281 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068280 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068279 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305068277 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068276 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068275 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068274 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068272 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068271 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068270 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068269 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068268 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068267 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068266 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068264 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068263 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068261 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068259 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068258 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068257 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068256 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | ICE (Intercontinental Exchange) | 68.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068255 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068254 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068253 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068252 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068251 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068250 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068249 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068248 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068246 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068245 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068244 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068243 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068242 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068241 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068240 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068239 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068238 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| 305068237 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068236 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068235 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068234 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068233 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068231 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068230 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068228 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068227 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068226 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068225 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068224 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068223 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068222 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068221 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068220 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068219 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068218 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068217 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068216 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068215 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068214 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068213 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068212 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068211 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068210 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068209 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068207 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068204 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068203 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068202 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068201 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061655 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305076191 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305049358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305065522 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305078179 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305080108 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064417 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305046200 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.66% | Collateral Analytics | 10.000 | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 305046199 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 93.00 |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.61% | Clear Capital | 8.000 | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305046193 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| 305046184 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.41% | Clear Capital | 7.000 | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| 305046182 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.66% | Clear Capital | 6.000 | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305046181 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 7.36% | Collateral Analytics | 8.000 | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038031 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064801 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060949 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305075909 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061070 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038753 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305080111 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305072162 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054907 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 Hybrid (Jul 20) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305013302 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305076775 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ADI - Appraisal Desktop with Inspection |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063530 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304896367 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031475 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Other | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054658 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305079699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057971 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305055587 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305078152 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044928 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305088111 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061679 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057752 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305070989 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061643 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305050362 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305055944 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057747 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057816 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305052673 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069790 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305067959 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061596 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305076960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305026487 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069567 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305065262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064028 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089710 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305043006 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042029 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064891 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305086004 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305065625 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305075395 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | BPO (Broker Price Opinion) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304908560 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304953596 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042635 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056899 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Enhanced Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305079748 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057652 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062733 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305074552 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305052667 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044940 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042977 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305070069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305067965 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069767 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069789 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 0.10 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305024955 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054958 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061649 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305087156 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069629 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305013391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060698 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305052054 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305078183 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053311 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305079869 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305051404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305073493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305052035 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061180 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305079703 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305045947 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305041949 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057585 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305080384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069766 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305082189 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305051856 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305076774 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305086560 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056933 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305078678 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305083025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054627 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064238 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305078769 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042055 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054902 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029670 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305071595 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054971 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063328 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305078706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305071195 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053317 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063689 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305077748 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060978 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064119 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305079843 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061523 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305074551 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305082792 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062743 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063314 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305074550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ADI - Appraisal Desktop with Inspection |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305075929 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | CASA (Fiserv) | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053515 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069565 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042028 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305082230 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305070968 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305066672 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305083205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053309 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064341 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057785 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056731 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305077452 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305051087 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057768 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057650 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305079434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057976 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305073570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305043939 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305071591 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039472 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305076776 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305070963 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053604 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063759 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061050 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305071754 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057894 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305088369 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063693 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304905179 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305012632 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305070087 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053724 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061230 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060709 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305065521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305086826 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305037831 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305074996 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304893502 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304909881 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305081465 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305075902 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305084617 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059094 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059093 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059092 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059091 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059090 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059089 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| 305085753 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085752 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085751 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.49% | Clear Capital | 9.000 | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059088 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085750 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059087 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059086 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059085 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085748 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059084 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059083 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059082 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059081 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| 305059080 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059079 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059078 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059077 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059076 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059075 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059074 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059073 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059072 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059071 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059070 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085747 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085746 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059066 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085745 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059064 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059063 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059062 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059061 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -10.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1075 Exterior-Only Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059058 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059057 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059056 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059055 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059054 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059052 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059051 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059050 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059048 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059047 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059046 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059045 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059044 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| 305059043 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059042 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059041 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059040 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085744 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085743 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059039 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059038 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085742 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059037 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059036 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085741 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059035 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085740 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085738 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085737 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085736 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305059034 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085735 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059033 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059032 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085734 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085733 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085732 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089708 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089707 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085731 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085730 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085729 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089705 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085728 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085727 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085726 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085725 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089704 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085724 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085723 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085722 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085721 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085720 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085717 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089703 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085714 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085713 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085712 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085711 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085710 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085709 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085708 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085707 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085705 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089698 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089697 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085704 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085703 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089696 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089695 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089694 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089693 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085700 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089691 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085698 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089689 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.22% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089688 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029224 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044946 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305013322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305051101 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304875980 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305048648 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305028288 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305026580 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063854 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305028411 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059132 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304898855 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304904061 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304898854 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304905069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304909076 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304903217 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027131 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304904596 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304870488 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038026 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304907074 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304910952 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304908594 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304909721 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305073567 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304909790 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304909890 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304933517 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305013231 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304896424 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305023768 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305023995 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305023993 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305024463 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Other | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305046007 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305025035 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305024952 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305025034 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305026468 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305026483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027050 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027374 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305026572 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029263 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031211 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305026567 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305026564 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027016 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027183 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027281 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031014 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305028481 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029840 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027505 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305028255 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029211 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305028285 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305028964 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305028409 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031712 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305028276 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029618 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047509 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AVE - Automated Valuation Estimator | Homegenius/Redbell | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030912 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 78.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305028968 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029590 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029588 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031598 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056693 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029786 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305046094 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030501 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305028961 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042064 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030543 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036902 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Other | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030592 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305033656 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031138 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031201 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305055953 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031199 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031553 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031270 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031584 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038750 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031454 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036900 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305032243 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031552 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036552 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042268 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305034519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031711 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031710 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305033641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305034518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305032269 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054582 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Other | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305032514 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305032527 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042267 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305033640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Clear Capital Valuation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063313 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036757 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305034693 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305037846 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305034692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305034656 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305034587 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305037844 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036776 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305040485 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305049889 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036239 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036238 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036775 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057655 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036895 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044944 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305037843 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047118 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038735 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305040451 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305037842 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038052 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Clear Capital Valuation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305043015 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038023 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042266 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305040608 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038852 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305040450 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305040493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039517 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305040449 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305067139 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039634 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039632 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305084599 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305045648 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305040492 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044825 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305045633 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047548 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042078 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 16.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042062 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053733 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Jun 93) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305046004 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042263 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Other | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042261 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305051407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042257 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305045632 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042255 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042671 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042670 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042254 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042253 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042631 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030548 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042251 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042630 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305046093 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305043014 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042668 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305043013 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062580 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305043012 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044624 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044888 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044771 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044823 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047512 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044767 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044822 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305048647 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044821 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069771 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044820 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044819 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047116 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305045272 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044885 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305045647 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053665 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305046090 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305046002 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Clear Capital Valuation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305051851 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047196 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305050130 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305046085 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047115 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047114 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305049363 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047511 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047508 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063782 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053664 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305050065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038765 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047775 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305051148 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047845 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057654 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053602 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305050802 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304973619 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305049881 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305050043 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061569 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057452 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305050127 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057481 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305050125 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305051098 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305050124 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305050750 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305050749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054867 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305051460 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305051084 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056820 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053332 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053349 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305051848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 73.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305052627 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305052045 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054962 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054961 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305052675 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Enhanced Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054568 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 10.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053330 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053328 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053341 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053348 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054581 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053662 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053600 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053661 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053732 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053731 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056943 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054287 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054286 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064094 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054281 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054580 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054367 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057890 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054853 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054579 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054642 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054864 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054852 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060613 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305032267 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056942 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054863 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054977 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305052676 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305065896 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056512 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056646 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056645 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056819 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056882 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057782 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056900 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056895 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056941 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057647 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056940 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060972 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057645 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057643 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060971 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061688 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060162 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057642 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061763 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057765 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060970 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305051406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058320 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057889 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059131 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057907 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057909 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057933 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060161 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061686 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058318 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059130 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059129 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059735 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059734 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059733 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061054 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305067493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061685 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060672 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062603 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305067098 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061052 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061603 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061227 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305067612 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061225 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062577 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061222 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064625 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061509 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063851 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305065030 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064961 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305067097 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061218 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061736 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062575 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061762 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062355 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062380 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 77.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062574 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063540 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305070966 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062573 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062598 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063850 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064642 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063539 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063620 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305032273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063592 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063813 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063777 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063812 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064092 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305066795 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069377 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064089 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064959 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064251 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305066291 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069620 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305067137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064249 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064772 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305066290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068179 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305067610 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064956 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305066289 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305077744 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305065887 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305065885 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305066287 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305066794 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305078923 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069782 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305067454 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069041 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069619 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068177 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069126 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069039 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069770 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 83.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069367 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069700 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305070076 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069839 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305070074 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305070012 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305075920 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305070534 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305070532 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305071762 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305071760 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305073563 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305077094 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305075423 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305070552 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305077092 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305077091 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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| 305062738 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305066742 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064774 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064635 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305066806 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305065534 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068182 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305071197 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305051136 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030763 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030762 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 75.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304905064 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044866 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305052044 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053470 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305033712 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305055879 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068886 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068885 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068883 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068882 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068879 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305068878 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068877 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068876 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068875 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068873 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068872 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068871 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068870 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| 305068869 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068868 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068867 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068866 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068865 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068864 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068863 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068862 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068861 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068860 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AVE - Automated Valuation Estimator | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068859 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068858 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068857 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068856 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| 305068855 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068854 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| 305068853 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068852 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068851 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068850 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068849 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068847 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068846 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 98.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068845 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068844 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 305068843 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068842 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068841 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068840 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068839 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068838 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | HouseCanary | 0.100 | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068837 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068836 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305068835 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305068834 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304905149 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304904054 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305055946 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305012550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 82.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038768 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038020 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038019 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305026227 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305013558 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305023967 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305013623 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304909100 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304843370 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031256 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027182 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305013562 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304899137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305024816 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305088361 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304904497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305096923 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304905040 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304905062 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085944 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054954 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030588 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305050098 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042634 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305026608 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304909776 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305049356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305045280 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305025022 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029583 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304911725 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305024765 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305028478 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047907 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304893899 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304909799 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304898924 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305050047 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304909521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085697 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059031 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059030 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059029 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305085696 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085695 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089687 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085694 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089686 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085693 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305085692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085691 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085689 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089685 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059028 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085688 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059027 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089684 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059026 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089683 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059023 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059022 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085687 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085686 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059021 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059020 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089682 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059019 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085685 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059018 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085684 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089681 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059017 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089680 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059016 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085683 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089679 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059015 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089678 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059014 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085682 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059013 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059012 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305085681 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085680 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059011 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059010 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059009 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059008 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059007 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059005 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059004 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059003 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089677 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059002 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059001 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089676 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085679 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059000 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058999 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085678 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085677 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058998 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058997 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058996 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085676 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085675 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058995 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089675 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058994 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058993 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089674 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058992 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085674 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058991 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058990 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085673 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085672 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| 305058989 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089673 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058988 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058987 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058986 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058985 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058984 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085671 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058983 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089672 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085670 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058981 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058980 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085669 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089671 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058979 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| 305058978 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058977 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058976 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058975 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305085668 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058974 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058973 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085666 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058972 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058971 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058970 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058969 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085665 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058968 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058967 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089670 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305058966 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058965 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058964 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089669 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085664 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058963 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058962 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058961 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058959 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058958 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085662 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085661 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089668 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058956 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089667 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058955 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089666 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085660 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058954 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058953 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058952 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085659 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058951 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058950 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058949 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085658 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058948 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058947 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089665 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058946 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089664 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085657 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058945 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058944 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058943 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085656 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085655 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058942 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058941 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058940 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085654 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058937 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058936 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058935 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058934 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085653 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058933 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085652 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089662 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089661 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058932 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089660 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058931 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085650 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058930 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058929 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058928 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058927 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058926 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058925 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085649 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058924 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058922 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089659 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304814476 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085648 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089658 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085647 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058921 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085646 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085645 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085644 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058920 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| 305085643 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058919 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085642 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058918 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058917 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085639 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089657 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089656 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089655 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305089654 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058915 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058914 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089653 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305058913 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089652 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058912 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058911 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058910 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058909 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058908 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058907 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085637 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058906 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085636 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058905 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085635 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085634 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085633 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058904 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058903 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058902 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089650 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058900 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058899 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085632 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085631 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 305058898 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089649 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058897 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058896 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089648 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058895 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058894 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058893 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058892 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058891 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058890 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058889 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089647 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058887 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058886 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058885 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305058883 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089646 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058882 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085630 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085629 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058881 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085628 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085627 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089645 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058879 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058878 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058877 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058876 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 73.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058875 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058873 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058872 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085626 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085625 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 96.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085624 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089644 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305058871 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058870 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058869 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089643 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089642 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058868 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058867 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085623 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085622 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058866 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058865 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058864 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058863 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058862 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058861 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058860 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085620 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058859 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085619 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089639 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058858 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085618 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085617 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058857 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085616 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089637 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058856 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089636 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058855 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058854 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058853 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058852 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058851 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058850 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085615 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089635 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085614 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085613 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089634 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085612 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089633 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085611 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058849 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085610 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058847 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085609 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089632 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085608 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058846 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058845 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058844 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089631 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058843 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085607 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058842 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058841 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085605 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058840 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085604 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058839 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085603 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085602 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058838 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089630 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089629 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058837 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058836 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058835 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085601 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058834 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058833 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058832 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085600 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058831 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058830 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085599 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085598 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058829 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058828 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058827 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085596 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089628 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058826 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058825 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058824 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058823 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085595 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085594 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058822 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085593 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058821 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085592 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058820 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085591 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058819 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085590 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085589 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058818 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058817 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085588 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085587 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089627 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 73.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058816 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058815 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058814 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089626 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058813 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058812 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058811 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089625 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058810 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085586 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058809 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058808 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058807 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089624 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058806 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304814308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085585 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085584 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058805 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089623 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085583 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085582 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085581 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085580 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085579 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058803 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058802 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058801 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058800 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| 305058799 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305058798 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058797 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304435863 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058796 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058795 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058794 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058793 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058792 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089622 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058791 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085578 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058790 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085577 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305058789 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085576 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085575 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085574 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058788 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085573 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058787 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089620 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058786 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058785 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058784 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058783 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089619 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085572 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085571 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058782 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| 305085570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058781 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058780 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058779 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089618 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089617 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058777 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058776 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085569 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089616 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058775 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085568 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085567 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085566 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058774 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058773 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058772 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089615 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058771 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058770 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305085565 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085564 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058769 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058768 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085563 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089614 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089613 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085562 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085561 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089612 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085560 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058767 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085559 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305058766 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085558 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089611 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089610 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058765 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089609 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058764 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089608 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058763 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058762 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089607 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058761 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058760 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085557 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058759 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058758 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058757 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089605 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058755 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058754 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085555 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058753 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085554 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089604 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058752 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089603 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058751 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058750 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089602 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085553 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058748 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058747 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058746 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058745 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058744 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089601 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085552 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058743 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089600 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| 305085551 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058742 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085548 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058741 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058740 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058738 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058737 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089599 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089598 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085547 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058736 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085546 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085545 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085544 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058735 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058734 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089596 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 69.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089595 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058733 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058732 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| 305085543 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058731 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058730 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058729 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085542 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058728 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058727 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085541 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058726 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085540 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058725 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058724 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058723 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058722 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058721 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| 305089594 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085539 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058720 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085538 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089593 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085537 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058717 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089592 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058714 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058713 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058712 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058711 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058710 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058709 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085536 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085535 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058708 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058707 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058705 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089591 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089590 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058704 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085534 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085533 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085532 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058703 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058700 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058698 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085531 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058697 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085530 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089589 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089588 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058696 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058695 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085529 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058694 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058693 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085528 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085527 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085526 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058691 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085525 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085523 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058689 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058688 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089587 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089586 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058687 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058686 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058685 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305085522 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058684 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058683 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058682 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058681 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058680 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089585 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058679 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085517 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058678 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| 305089584 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058677 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058676 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058675 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085515 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058674 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058673 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085514 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058672 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089583 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058671 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304435747 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085512 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305085511 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058670 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089582 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058669 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089581 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058668 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089580 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058667 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058666 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305089579 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058665 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085509 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058664 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058662 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058661 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085508 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058660 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085507 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058659 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085506 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089578 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058658 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058657 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085505 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089577 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085504 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085503 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089576 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058655 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085502 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058654 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058653 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085501 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085500 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058652 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305089575 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089574 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058650 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| 305058649 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058648 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089573 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058647 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058646 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089572 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058645 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| 305058644 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058643 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089571 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058642 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058639 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| 305058638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058637 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085494 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058636 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058635 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085492 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058634 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058633 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058632 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085491 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058631 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089569 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058630 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058629 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058628 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085490 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085489 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085488 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058627 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058626 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085487 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085486 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058625 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089568 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058624 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089567 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058623 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058622 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089566 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089565 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085485 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089564 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085484 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058620 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058619 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058618 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058617 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089563 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058616 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058615 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058614 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058613 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085482 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085481 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085480 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089562 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058612 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| 305085479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085478 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 74.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058611 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085477 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085475 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085474 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085473 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089561 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058610 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058609 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058608 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085472 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058607 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085471 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058605 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058604 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085470 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085469 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058603 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058602 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058601 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058600 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058599 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085468 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085467 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058598 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089560 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085466 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089559 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058596 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085465 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058595 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058594 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058593 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085464 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058592 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058591 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058590 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089558 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305058589 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058587 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085463 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058586 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058585 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085462 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085461 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058584 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058583 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058582 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058581 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058580 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058579 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058578 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058577 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058576 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058575 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085460 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058574 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058573 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085459 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058572 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058571 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085458 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058569 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089557 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058568 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058567 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085457 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085456 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085454 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058566 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085452 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089555 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058565 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058564 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085451 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058563 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085450 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058562 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058561 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058560 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305058559 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085449 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058558 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058557 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089554 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058555 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058553 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058552 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085447 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058551 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085445 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089553 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058548 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089552 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089551 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085443 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058547 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058546 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089548 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058545 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058544 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085441 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085440 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085439 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085438 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085437 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058543 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089547 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058542 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058541 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089546 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058540 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085436 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058539 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058538 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058537 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058536 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| 305058535 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1075 Exterior-Only Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058534 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089545 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058533 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089544 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058532 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058531 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085435 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089543 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058530 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058529 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089542 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058528 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058527 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305085433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058526 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305089541 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085432 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 94.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089540 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058523 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089539 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058522 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305085430 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089538 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| 304755716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089537 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085427 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058517 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058515 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058514 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058512 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085424 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058511 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058509 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085423 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058508 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304633654 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058507 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085421 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058506 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058505 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085420 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089536 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089535 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058504 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089534 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058503 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058502 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089533 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058501 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058500 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089532 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089531 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305058495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085418 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058494 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058492 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058491 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058490 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085417 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058489 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089530 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058488 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058487 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058486 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058485 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058484 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085416 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085415 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085413 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058482 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085412 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058481 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089529 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085411 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058480 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085410 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304755652 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089528 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085409 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058478 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058477 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089527 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089526 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| 305085408 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058476 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058475 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058474 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058473 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089525 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058472 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085405 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058471 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058470 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| 305058469 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058468 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058467 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304755621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058466 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058465 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058464 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058463 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058462 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089523 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058461 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085403 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089522 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058460 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085401 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058459 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085400 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058458 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058457 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085397 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058456 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085396 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058454 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085395 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058452 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085394 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058451 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085389 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| 305058450 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089517 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058449 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058447 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085388 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| 305058446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058445 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058443 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085387 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058441 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058440 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085386 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058439 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 85.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058438 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085383 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058437 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304435515 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058436 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058435 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058432 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089515 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058430 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085382 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085380 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089514 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058427 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058424 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058423 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058421 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058420 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058418 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058417 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058416 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058415 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058413 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089512 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058411 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089511 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085377 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058410 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058409 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058408 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058405 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058403 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 305058401 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058400 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305058399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089509 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305058398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058397 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058396 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089508 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085375 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058395 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085374 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058394 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089507 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058389 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058388 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058387 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085372 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058386 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089506 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085371 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058383 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058382 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085370 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058380 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085369 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305058378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089505 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085367 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085366 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085365 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058377 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058375 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085364 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058374 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089504 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089503 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058372 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058371 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058370 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089502 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058369 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058367 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085363 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089501 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058365 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085362 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089500 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058364 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085361 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058363 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058362 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058361 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058360 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085360 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058357 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058355 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058354 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058353 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058352 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058351 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305058350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058349 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Cotality (CoreLogic) | 69.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085357 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058348 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058346 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058344 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304817587 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304889379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2075 DU Property Inspection Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304993695 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305024821 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305023987 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027462 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029218 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031045 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Other | 98.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030757 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031456 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036789 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042680 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305045282 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054636 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062287 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305074604 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.16

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.16**

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third party due diligence provider, performed the review described below on closed-end second lien mortgage loans acquired by JPMorgan Chase Bank, National Association. The review included a total of 50 newly originated residential mortgage loans, in connection with the securitization identified as JPMMT 2026-CES3 (the "Securitization"). The Review was conducted from July 2024 through February 2026 on closed-end second lien mortgage loans originated between June 2024 and November 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:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM
 or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 Status

● Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment

● Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

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

● Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations

● Validate monthly recurring liabilities

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

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing
 Thresholds:

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 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

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

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

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

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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:

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon 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.

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the fifty (50) mortgage loans reviewed, twenty-three (23) unique mortgage loans (46.00% by loan count) had a total of twenty-six (26) discrepancies across seven (7) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy**<br> **Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;13 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;26.92% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | % by Loan Count |
| A | 50 | $5133526.00 | 100.00% |
| B | 0 | $0.00 | 0% |
| C | 0 | $0.00 | 0% |
| D | 0 | $0.00 | 0% |
| **Total** | 50 | $5133526.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | % by Loan Count |
| A | 50 | 100.00% |
| B | 0 | 0% |
| C | 0 | 0% |
| D | 0 | 0% |
| **Total** | 50 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | % by Loan Count |
| A | 50 | 100.00% |
| B | 0 | 0% |
| C | 0 | 0% |
| D | 0 | 0% |
| **Total** | 50 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results: (As applicable, 50 loans within population did not receive a Property Review)** | **Valuation Results: (As applicable, 50 loans within population did not receive a Property Review)** | **Valuation Results: (As applicable, 50 loans within population did not receive a Property Review)** |
| Event Grade | Loan Count | % by Loan Count |
| A | 0 | 0% |
| B | 0 | 0% |
| C | 0 | 0% |
| D | 0 | 0% |
| **Total** | 0 | 0% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;36 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Non-XXX Identification Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower XXX Credit Report is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower XXX Personal Tax Returns Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***53*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Points and Fees Threshold Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Pre-Loan Counseling Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Lending Policy Points and Fees Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Timing of Disclosure Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR XXX(c)(XXX)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***40*** |

---

**Event Grade Definitions**

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

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

---

---

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

---

## Exhibit 99.17

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.17**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 304675551 | XXXXX |  | Application Date | XXX | XXX | Audit data taken from initial loan application. |
| 304754902 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Borrower1 as a XXX is correct as per final XXX |
| 304841005 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | cash out, owned for over 5yrs |
| 304675444 | XXXXX |  | Maturity Date | XXX | XXX | Confirmed with Note |
| 304675603 | XXXXX |  | Maturity Date | XXX | XXX | Per Note |
| 304675551 | XXXXX |  | Maturity Date | XXX | XXX | Per Note |
| 304675274 | XXXXX |  | Maturity Date | XXX | XXX | note |
| 304674915 | XXXXX |  | Maturity Date | XXX | XXX | Verified by the note |
| 304674897 | XXXXX |  | Maturity Date | XXX | XXX | The XXX is XXX per the note and security instrument. |
| 304674861 | XXXXX |  | Maturity Date | XXX | XXX | Verified with Note/Cd |
| 304752409 | XXXXX |  | Primary Appraised Property Value | XXX | XXX | per AVM in file done by XXX |
| 304674897 | XXXXX |  | Property Attachment Type | XXX | XXX | The subject property is XXX per the photos in the exterior pcr. |
| 304674861 | XXXXX |  | Property Attachment Type | XXX | XXX | Verified with AVM |
| 304383670 | XXXXX |  | Qualifying CLTV | XXX | XXX | Figures are reversed |
| 304734064 | XXXXX |  | Qualifying CLTV | XXX | XXX | True Data reflects the combined loan to value percentage. |
| 304821533 | XXXXX |  | Qualifying CLTV | XXX | XXX | AVM used |
| 304851511 | XXXXX |  | Qualifying CLTV | XXX | XXX | Ratios |
| 304851899 | XXXXX |  | Qualifying CLTV | XXX | XXX | LTV max allowed XXX% |
| 304851523 | XXXXX |  | Qualifying CLTV | XXX | XXX | Matches true data - Subject loan: XXX / Value: XXX |
| 304851572 | XXXXX |  | Qualifying CLTV | XXX | XXX | RAtios updated |
| 304851919 | XXXXX |  | Qualifying CLTV | XXX | XXX | Confirmed the CLTV of XXX% as per the full property appraisal |
| 304850895 | XXXXX |  | Qualifying CLTV | XXX | XXX | Lowest value per CR XXX |
| 304851852 | XXXXX |  | Qualifying CLTV | XXX | XXX | XXX is correct based on new loan amount, AVM value and 1st mortgage balance. |
| 304851121 | XXXXX |  | Qualifying CLTV | XXX | XXX | XXX represents CLTV, XX/XX/XXXX new 2nd lien by itself |
| 304851485 | XXXXX |  | Qualifying CLTV | XXX | XXX | Used senior lien balance |
| 304851150 | XXXXX |  | Qualifying CLTV | XXX | XXX | Confirmed CLTV is accurate. |

---

## Exhibit 99.18

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **Customer Loan ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
| XXX | XXXXX | 304351243 | FCRE1254 | 07/19/2024 | Credit | Title | Property Title Issue | Property Title Issue. Senior first lien is not reflected on title commitment. | Title does reflect senior lien information. Commitment took exception to the first mortgage as evidence in exception no. XXX Schedule B-II. Copy of this mortgage recorded in XXX. Book XXX Page XXX is also XXX. Note also included.; Prelim title | Property Title Issue Resolved; Copy of updated title commitment provided, dated XXX/XXX/XXX, but still does not reflect senior lien recording data. Condition remains. | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/19/2024 | C A |
| XXX | XXXXX | 304351243 | FCOM3531 | 07/19/2024 | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR XXX(c)(XXX)) | Evidence of Appraisal Delivery to the Borrower Not Provided. HPML and Evidence of Appraisal Delivery to the Borrower Not Provided. | Appraisal delivery | Evidence of appraisal delivery provided; Exception resolved; Evidence of Appraisal Delivery to the Borrower Provided. | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/19/2024 | C A |
| XXX | XXXXX | 304351243 | finding-3352 | 07/08/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Unable to downgrade HPML exception as missing proof that borrower received a copy of their appraisal at least XXX days prior to closing | Appraisal Delivery | Evidence of appraisal delivery provided; Exception resolved | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/08/2024 | C A |
| XXX | XXXXX | 304360109 | FCRE8999 | 07/31/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | 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. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/31/2024 | A |
| XXX | XXXXX | 304360109 | FCOM8997 | 07/31/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | 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. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/31/2024 | A |
| XXX | XXXXX | 304383670 | finding-3352 | 08/28/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| 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. | Resolved | 08/28/2024 | A |
| XXX | XXXXX | 304383670 | finding-3393 | 08/28/2024 | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §XXX(a)(XXX)(ii)(A), (B) he loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; or The loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds the lesser of XXX percent of the total loan amount of XXX or $XXX. The loan failed the points and fees due to the XXX fee in section A paid to XXX. | It appears that the fee was charged twice, and included in \| Section A which is why it was included in testing. \| The fee in ques?on XXX printed twice on the CD has been corrected. A?ached is a updated PCCD.; XXX bona fide and mortgage statement. | PCCD provided; exception resolved; PCCD provided; exception resolved; Undiscounted rate did not resolve the exception; There is an unnamed fee in section A that is possibly a duplicate of a fee charged in section B that was included in testing due to it being in section A. The invoice in file only indicates a charge for XXX fee paid to XXX and Mavent in file shows this fee was not included at all even though it was paid at closing. The closing instructions indicate a cure of XXX was applied but is not shown on the CD and no PCCD was provided. Either an attestation that this fee was not paid to the lender or a cure of XXX is required | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/28/2024 | C A |
| XXX | XXXXX | 304383670 | finding-3399 | 08/28/2024 | Compliance | Disclosure | High-Cost Mortgage Timing of Disclosure Test | This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §XXX(c) he High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §XXX at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. The loan failed the points and fees due to the XXX fee in section A paid to XXX. | It appears that the fee was charged twice, and included in \| Section A which is why it was included in testing. \| The fee in ques?on XXX printed twice on the CD has been corrected. A?ached is a updated PCCD.; XXX bona fide and mortgage statement. | PCCD provided; exception resolved; PCCD provided; exception resolved; Undiscounted rate did not resolve the exception; There is an unnamed fee in section A that is possibly a duplicate of a fee charged in section B that was included in testing due to it being in section A. The invoice in file only indicates a charge for XXX fee paid to XXX and Mavent in file shows this fee was not included at all even though it was paid at closing. The closing instructions indicate a cure of XXX was applied but is not shown on the CD and no PCCD was provided. Either an attestation that this fee was not paid to the lender or a cure of XXX is required | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/28/2024 | C A |
| XXX | XXXXX | 304383670 | finding-3406 | 08/28/2024 | Compliance | Disclosure | High-Cost Mortgage Pre-Loan Counseling Date Test | This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §XXX(a)(XXX)(i), (ii) he loan is a XXX RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §XXX; or The loan is a XXX TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §XXX; or The High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date ertification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(XXX) must occur after:(A) The consumer receives either the disclosure required by section XXX(c) of the Real Estate Settlement Procedures Act of XXX (XXX U. XXX(c)) or the disclosures required by §XXX; or(B) The consumer receives the disclosures required by §XXX(c), for transactions in which neither of the disclosures listed in (A) are provided. The loan failed the points and fees due to the XXX fee in section A paid to XXX. | It appears that the fee was charged twice, and included in \| Section A which is why it was included in testing. \| The fee in ques?on XXX printed twice on the CD has been corrected. A?ached is a updated PCCD.; XXX bona fide and mortgage statement. | PCCD provided; exception resolved; PCCD provided; exception resolved; Undiscounted rate did not resolve the exception; There is an unnamed fee in section A that is possibly a duplicate of a fee charged in section B that was included in testing due to it being in section A. The invoice in file only indicates a charge for XXX fee paid to XXX and Mavent in file shows this fee was not included at all even though it was paid at closing. The closing instructions indicate a cure of XXX was applied but is not shown on the CD and no PCCD was provided. Either an attestation that this fee was not paid to the lender or a cure of XXX is required | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/28/2024 | C A |
| XXX | XXXXX | 304383670 | finding-3800 | 08/28/2024 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR XXX(e)(XXX) he loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. The loan failed the points and fees due to the XXX fee in section A paid to XXX. | It appears that the fee was charged twice, and included in \| Section A which is why it was included in testing. \| The fee in ques?on XXX printed twice on the CD has been corrected. A?ached is a updated PCCD.; XXX bona fide and mortgage statement. | PCCD provided; exception resolved; PCCD provided; exception resolved; Undiscounted rate did not resolve the exception; There is an unnamed fee in section A that is possibly a duplicate of a fee charged in section B that was included in testing due to it being in section A. The invoice in file only indicates a charge for XXX fee paid to XXX and Mavent in file shows this fee was not included at all even though it was paid at closing. The closing instructions indicate a cure of XXX was applied but is not shown on the CD and no PCCD was provided. Either an attestation that this fee was not paid to the lender or a cure of XXX is required | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/28/2024 | C A |
| XXX | XXXXX | 304383670 | FCRE8999 | 08/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| 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. | Resolved | 08/27/2024 | A |
| XXX | XXXXX | 304398205 | FCRE1193 | 12/11/2024 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender did not include the monthly payment of XXX for the XXX XXX (#XXX) and no missing documentation supporting exclusion. | verif credit one zero balance | Document provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI 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% | Resolved | 12/11/2024 | C A |
| XXX | XXXXX | 304398205 | FCOM8997 | 11/27/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 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% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304675444 | FCRE8999 | 03/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 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 FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/26/2025 | A |
| XXX | XXXXX | 304675444 | FCOM8997 | 03/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 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 FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/26/2025 | A |
| XXX | XXXXX | 304675603 | FCOM8997 | 03/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| 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. | Resolved | 03/28/2025 | A |
| XXX | XXXXX | 304675603 | FCRE8999 | 03/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| 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. | Resolved | 03/28/2025 | A |
| XXX | XXXXX | 304675551 | FCRE8999 | 03/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 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% | Resolved | 03/28/2025 | A |
| XXX | XXXXX | 304675551 | FCOM8997 | 03/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 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% | Resolved | 03/28/2025 | A |
| XXX | XXXXX | 304675274 | FCRE1146 | 04/03/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present - The Title Report in the loan file is corrupt and illegible, a legible copy is required. | Document Uploaded. Please see legible copy of title. XXX! | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | Borrower has stable job time - \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 04/03/2025 | D A |
| XXX | XXXXX | 304675274 | FCOM8997 | 03/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/31/2025 | A |
| XXX | XXXXX | 304674915 | FCRE8999 | 03/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/31/2025 | A |
| XXX | XXXXX | 304674915 | FCOM8997 | 03/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| 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% | Resolved | 03/31/2025 | A |
| XXX | XXXXX | 304674897 | FCRE7496 | 04/07/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal Summary reflects the borrower is responsible for XXX in monthly HOA Dues on subject property, however, the documentation provided is a 'processor cert' explaining the dues which is insufficient to verify monthly obligations. Therefore, an HOA statement or other supporting documentations from the HOA is required. | Document Uploaded. | Documentation provided is sufficient. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| 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. | Resolved | 04/07/2025 | D A |
| XXX | XXXXX | 304674897 | FCOM8997 | 04/02/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| 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. | Resolved | 04/02/2025 | A |
| XXX | XXXXX | 304674861 | finding-3352 | 04/02/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 04/02/2025 | A |
| XXX | XXXXX | 304674861 | FCRE8999 | 04/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 04/02/2025 | A |
| XXX | XXXXX | 304642997 | FCRE8999 | 04/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| 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% | Resolved | 04/08/2025 | A |
| XXX | XXXXX | 304642997 | FCOM8997 | 04/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| 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% | Resolved | 04/08/2025 | A |
| XXX | XXXXX | 304634552 | FCRE7495 | 04/11/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Missing Credit supplement or supporting documents for XXX with unpaid balance of XXX and monthly payment of $XXX. | SOFI docs | Documentation is sufficient. Exception resolved. | 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/11/2025 | D A |
| XXX | XXXXX | 304634552 | FCOM8997 | 04/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/09/2025 | A |
| XXX | XXXXX | 304696634 | FCRE8999 | 05/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/12/2025 | A |
| XXX | XXXXX | 304696634 | FCOM8997 | 05/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/12/2025 | A |
| XXX | XXXXX | 304734064 | FCRE8999 | 07/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/21/2025 | A |
| XXX | XXXXX | 304734064 | FCOM8997 | 07/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/21/2025 | A |
| XXX | XXXXX | 304752409 | FCRE8999 | 08/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/05/2025 | A |
| XXX | XXXXX | 304820918 | finding-3352 | 09/15/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/15/2025 | A |
| XXX | XXXXX | 304820918 | FCRE8999 | 09/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/12/2025 | A |
| XXX | XXXXX | 304747489 | FCRE8999 | 09/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 09/04/2025 | A |
| XXX | XXXXX | 304777454 | FCRE8999 | 09/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/06/2025 | A |
| XXX | XXXXX | 304820773 | FCOM8997 | 09/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 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% | Resolved | 09/19/2025 | A |
| XXX | XXXXX | 304820773 | FCRE8999 | 09/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 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% | Resolved | 09/19/2025 | A |
| XXX | XXXXX | 304780128 | FCRE0377 | 12/08/2025 | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The subject lien is XXX and the outstanding balance on the 1st lien is XXX which equals required coverage of $XXX. The loan file is missing a Replacement Cost Estimator and/or evidence of guaranteed replacement coverage as required per overlays. | Please see the highlighted portion on page XXX | Documentation is sufficient. Hazard coverage is adequate. Exception rescinded. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount |  | Rescinded |  | A |
| XXX | XXXXX | 304780128 | FCOM8997 | 09/15/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational; Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/15/2025 | A |
| XXX | XXXXX | 304822163 | FCOM8997 | 10/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/16/2025 | A |
| XXX | XXXXX | 304822163 | FCRE8999 | 10/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/16/2025 | A |
| XXX | XXXXX | 304813062 | FCRE5774 | 09/23/2025 | Credit | Borrower | Borrower XXX Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. - Missing documentation to support credit liability from XXX with outstanding balance of XXX and monthly payment of XXX per Final XXX The liability is not on the credit report. | XXX agreement | Documentation is sufficient. Lease agreement provided. Exception resolved.; Borrower XXX Credit Report is not partially present. | 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% | Resolved | 09/23/2025 | C A |
| XXX | XXXXX | 304757994 | FCRE8999 | 09/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/19/2025 | A |
| XXX | XXXXX | 304814733 | FCRE1440 | 02/27/2026 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Credit report is missing mortgage details of first lien dated Oct XXX per Fraud report and no other supporting documentation in file verifying mortgage history. | provided XXX-month payment history; Please escalate to XXX management. We can tell from the fraud report that there has been other loans since then with the last one showing in XXX that is recorded on title. The one in XXX was when it was originally bought it looks like and we aren't required to have mortgage history that far back. Only the last XXX months. We have the VOM on file to support the current liens that are on title. \| \| Current liens on title is for one in XXX opened that was transferred to XXX Fargo on XX/XX/XXXX \| \| And 2nd lien to XXX on XX/XX/XXXX \| \| \| VOM in file for XXX Fargo and XXX reports as tradeline XXX We have never had to show documentation for older loans showing on fraud if they are not reporting on the title. \| \| | Documentation is sufficient. Transaction history provided. Exception resolved.; Housing History Meets Guideline Requirements; ; ; Please provide a credit supplement or VOM to verify the previous XXX months mortgage history. Exception remains.; Housing History Meets Guideline Requirements | 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 FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/27/2026 | C A |
| XXX | XXXXX | 304814733 | FCOM8997 | 09/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 09/22/2025 | A |
| XXX | XXXXX | 304812504 | FCRE8999 | 09/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original 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% | Resolved | 09/19/2025 | A |
| XXX | XXXXX | 304754902 | FCRE7495 | 11/06/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Per final XXX there is a XXX Credit loan (#XXX), however the acct is not showing on the credit report and there is no documentation in file to show the active and open account. | provided the UDM | Documentation is sufficient. Credit Supplement provided. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| 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% | Resolved | 11/06/2025 | D A |
| XXX | XXXXX | 304754902 | FCRE1173 | 09/29/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Loan file is missing the Condo Master policy declaration. | provided the HO6 | HO-XXX Master Insurance Policy is fully present | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| 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% | Resolved | 09/29/2025 | D A |
| XXX | XXXXX | 304754902 | FCRE7496 | 09/29/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Lender's XXX states an HOA fee of XXX for subject condominium property, however missing verification of HOA dues. | provided the condo questionnaire | Verification of HOA dues provided. Condition cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| 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% | Resolved | 09/29/2025 | D A |
| XXX | XXXXX | 304754902 | FCRE2900 | 09/29/2025 | Credit | Missing Doc | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. Loan file is missing the Non XXX Borrower Identification Documentation. | provided the borrowers green card | Borrower Identification Document provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| 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% | Resolved | 09/29/2025 | D A |
| XXX | XXXXX | 304754902 | FCOM8997 | 09/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| 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% | Resolved | 09/26/2025 | A |
| XXX | XXXXX | 304839085 | FCRE8999 | 09/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| 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. | Resolved | 09/29/2025 | A |
| XXX | XXXXX | 304843359 | FCRE5116 | 12/09/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOM is missing. Mortgage is not reported on the credit report. | provided the XXX month VOM; vom | Documentation is sufficient. VOM transaction history provided. Exception resolved.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; VOM provided which confirms 0x30 in last XXX months. However, guidelines require (XXX) no late payments in the past XXX months; AND (XXX) no more than one XXX times XXX days past due in the last XXX months. File is still missing verification for months XXX-XXX for mortgage opened XX/XX/XXXX as required by guidelines. Condition remains. | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | D A |
| XXX | XXXXX | 304843359 | FCOM8997 | 10/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/07/2025 | A |
| XXX | XXXXX | 304821533 | FCRE1146 | 11/07/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present. Title document is corrupt and not legible. A legible copy is required in the loan file. | XXX title report | Documentation is sufficient. Legible Title document provided. Exception resolved.; Title Document is fully Present. | 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% | Resolved | 11/07/2025 | D A |
| XXX | XXXXX | 304841005 | FCOM8997 | 10/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/20/2025 | A |
| XXX | XXXXX | 304841005 | FCRE8999 | 10/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/20/2025 | A |
| XXX | XXXXX | 304851511 | FCRE8999 | 10/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 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% | Resolved | 10/27/2025 | A |
| XXX | XXXXX | 304851511 | FCOM8997 | 10/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 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% | Resolved | 10/27/2025 | A |
| XXX | XXXXX | 304851899 | FCRE8999 | 10/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| 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% | Resolved | 10/27/2025 | A |
| XXX | XXXXX | 304851899 | finding-3352 | 10/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | No Cure Required. HPML 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational Only | 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% | Resolved | 10/27/2025 | A |
| XXX | XXXXX | 304851523 | FCRE8999 | 10/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/27/2025 | A |
| XXX | XXXXX | 304851523 | finding-3352 | 10/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | No Cure Required. HPML 2nd Lien. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/27/2025 | A |
| XXX | XXXXX | 304851572 | finding-3352 | 11/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Please see XXX | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/10/2025 | A |
| XXX | XXXXX | 304851572 | FCRE1146 | 11/04/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present. Title was pixelized unable to read | Please see XXX | Documentation is sufficient. Legible Title document provided. Exception resolved.; Title Document is fully Present. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/04/2025 | D A |
| XXX | XXXXX | 304851919 | FCOM8997 | 10/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/28/2025 | A |
| XXX | XXXXX | 304851919 | FCRE8999 | 10/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/28/2025 | A |
| XXX | XXXXX | 304850895 | FCRE8999 | 10/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/28/2025 | A |
| XXX | XXXXX | 304851852 | FCOM8997 | 11/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304851852 | FCRE8999 | 11/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304851121 | FCOM8997 | 11/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| 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% | Resolved | 11/04/2025 | A |
| XXX | XXXXX | 304851121 | FCRE8999 | 11/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/04/2025 | A |
| XXX | XXXXX | 304850866 | FCOM8997 | 11/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304850866 | FCRE8999 | 11/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304851485 | FCRE8999 | 10/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304851150 | FCRE8999 | 11/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/07/2025 | A |
| XXX | XXXXX | 304867930 | FCRE8999 | 11/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/12/2025 | A |
| XXX | XXXXX | 304851985 | FCRE1319 | 01/30/2026 | Credit | Missing Doc | Borrower XXX Personal Tax Returns Missing | Borrower XXX Personal Tax Returns Missing Missing XXX years signed tax returns required to verify schedule C income. File includes page XXX only for XXX and XXX | tax transcripts | Documentation is sufficient. Transcripts in file. Exception resolved.; Borrower XXX Personal Tax Returns Provided | 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 FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/30/2026 | D A |
| XXX | XXXXX | 304870490 | FCRE5116 | 01/09/2026 | Credit | Missing Doc | Missing VOM or VOR | Missing VOM for 1st lien held by Private creditor XXX XXXXX, opened XXX/XXX/XXX. XXX-month pay history and monthly P&I is required to be verified. Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. | vom; vom showing no lates | Documentation is sufficient. VOM provided. Exception resolved. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 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. | Resolved | 01/09/2026 | D A |
| XXX | XXXXX | 304870490 | FCOM8997 | 11/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| 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. | Resolved | 11/24/2025 | A |
| XXX | XXXXX | 304874393 | FCRE8999 | 11/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/24/2025 | A |
| XXX | XXXXX | 304874393 | FCOM8997 | 11/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/24/2025 | A |
| XXX | XXXXX | 305011915 | FCRE8999 | 12/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| 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% | Resolved | 12/04/2025 | A |
| XXX | XXXXX | 304897985 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304897985 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304897592 | FCRE8999 | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304894727 | FCOM8997 | 12/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 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% | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304894727 | FCRE8999 | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 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% | Resolved | 12/09/2025 | A |

---

## Exhibit 99.19

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.19**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Seller Loan ID** | **Initial DBRS Property Loan Grade** | **Final DBRS Property Loan Grade** | **Initial Moody's Property Loan Grade** | **Final Moody's Property Loan Grade** | **Initial Fitch Property Loan Grade** | **Final Fitch Property Loan Grade** | **Initial Kroll Property Loan Grade** | **Final Kroll Property Loan Grade** | **Initial S&P Property Loan Grade** | **Final S&P Property Loan Grade** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 304351243 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304360109 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304383670 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304398205 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304675444 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304675603 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304675551 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304675274 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304674915 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304674897 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304674861 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304642997 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304634552 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304696634 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304734064 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304752409 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304820918 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304747489 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304777454 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304820773 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304780128 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304822163 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304813062 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757994 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304814733 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304812504 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304754902 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304839085 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304843359 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304821533 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304841005 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304851511 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304851899 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304851523 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304851572 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304851919 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304850895 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304851852 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304851121 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304850866 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304851485 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304851150 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304867930 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304851985 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304870490 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304874393 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305011915 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304897985 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304897592 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304894727 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |

---

## Exhibit 99.20

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 304351243 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.92 | 55.52 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304360109 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 41.38 | 62.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304383670 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.84 | 79.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 83.0 | 0.17 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304398205 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.15 | 64.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304675444 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.25 | 47.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304675603 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.25 | 56.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 84.0 | 0.16 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304675551 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.48 | 45.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.0 | 0.14 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304675274 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.49 | 70.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304674915 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 52.94 | 84.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304674897 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 44.39 | 66.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.0 | 0.14 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304674861 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.43 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 82.0 | 0.18 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304642997 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.2 | 46.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304634552 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 38.76 | 64.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304696634 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.81 | 60.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304734064 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 38.43 | 77.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304752409 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.33 | 84.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304820918 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.77 | 84.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304747489 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.06 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304777454 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.81 | 73.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 84.0 | 0.16 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304820773 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 32.09 | 60.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304780128 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.18 | 84.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304822163 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.18 | 49.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 80.0 | 0.2 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304813062 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.84 | 84.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 304757994 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 41.55 | 87.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304814733 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 33.66 | 68.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304812504 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.43 | 87.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304754902 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 4.02 | 38.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304839085 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 27.17 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304843359 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.24 | 49.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304821533 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.35 | 76.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304841005 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.31 | 79.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304851511 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.89 | 59.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304851899 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.0 | 38.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.0 | 0.14 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304851523 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.4 | 85.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 84.0 | 0.16 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304851572 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.13 | 81.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304851919 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.2 | 64.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304850895 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.4 | 50.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304851852 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 39.37 | 78.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304851121 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.56 | 50.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304850866 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.99 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304851485 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.4 | 85.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304851150 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 28.23 | 87.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 81.0 | 0.19 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304867930 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.84 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304851985 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.2 | 82.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304870490 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 27.83 | 73.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304874393 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.92 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305011915 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.58 | 23.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304897985 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 33.73 | 83.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304897592 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 29.94 | 84.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 304894727 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 7.94 | 52.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |

---

## Exhibit 99.21

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.21**

**Executive Summary**

JPMMT 2026-CES3

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third-party diligence provider, performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association (the "Client").

The Review was conducted from December 2025 to March 2026 on mortgage loans (the "Loans") originated from November 2025 to December 2025.

The Review consisted of 100% of the population of 27 loans with an original loan balance of **$**2,680,148.00.

**Scope of Review**

**Credit Review**

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

The credit review included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is complete, signed, dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions have been satisfied prior
 to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of debt-to-income ratio ("DTI") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of debt service coverage ratio ("DSCR") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR
 Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 of hazard coverage and verification that sufficient coverage was in place on subject
 and all premiums were included in DSCR calculation

![](ex9926001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage
 insurance certificate was in file, if applicable, and coverage was sufficient, and premium
 was included in DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 of rental income and/or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy
 Red flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. "Doing
 business as" or "also known as" names investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements in conformance with applicable guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts
 (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax
 returns and profit and loss statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank
 statements or other alternate income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/continuing
 employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Lease
 agreements and market rents, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient
 funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift
 funds verified and met guidelines

![](ex9926001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 money deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in housing payment and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 disclosure or Settlement Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 and prior to October 1, 2022 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z of the Truth in Lending Act, as amended. Effective October 1, 2022, loans with application dates on or after such date must comply with the General QM Final Rule, as well as the ATR rule. For these Loans, MaxDiligence will (a) confirm that the creditor provided a QM designation and (b) review the Loan for the eight (8) underwriting factors set forth Section 12(E)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence
 reviewed each mortgage loan to determine each mortgage loan's status under the
 QM and ATR rule requirements and assign a QM and ATR designation as determined by MaxDiligence.
 MaxDiligence will note as a material exception if its QM and ATR designations do not
 confirm to the originator's original QM and ATR designations. Additionally, MaxDiligence
 will note if an originator's mortgage loan designation was not provided. MaxDiligence
 shall use the following designations:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. MaxDiligence
 utilizes the following QM designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) QM
 Safe-Harbor (also known as General QM)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) QM
 Rebuttal Presumption (including Higher-priced loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Temporary
 QM (for all applications prior to October 1, 2022)

![](ex9926001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Non-QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. MaxDiligence
 utilizes the following ATR designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) ATR
 Compliant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) ATR
 Fail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) ATR
 Exempt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In
 order to determine the QM designation, as applicable, MaxDiligence will review each Loan
 for the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Use
 of any risky mortgage loan features and terms (e.g. an interest only feature or negative
 amortization);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Do
 the "points and fees" exceed the applicable QM threshold;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Was
 monthly payment calculated appropriately;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Did
 the creditor considered and verify income or assets at or before consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Did
 the creditor appropriately considered debt obligations, alimony and child support;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. For
 mortgage loan applications prior to October 1, 2022, if the DTI ratio exceeded 43% (calculated
 in accordance with Appendix Q to Regulation Z).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. For
 mortgage loan applications on and after October 1, 2022, for which the annual percentage
 rate does not exceed the average prime offer rate for a comparable transaction as of
 the date the interest rate is set by the amounts specified based on loan amount (adjusted
 annually on January 1 by the annual percentage change in the Consumer Price Index for
 All Urban Consumers (CPI-U) that was reported on the preceding June 1) and the lien position
 of the proposed credit:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) For
 a first-lien covered transaction with a loan amount greater than or equal to $110,260
 (indexed for inflation), 2.25 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) For
 a first-lien covered transaction with a loan amount greater than or equal to $66,156
 (indexed for inflation) but less than $110,260 (indexed for inflation), 3.5 or more percentage
 points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) For
 a first-lien covered transaction with a loan amount less than $66,156 (indexed for inflation),
 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) For
 a first-lien covered transaction secured by a manufactured home with a loan amount less
 than $110,260 (indexed for inflation), 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) For
 a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156
 (indexed for inflation), 3.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) For
 a subordinate-lien covered transaction with a loan amount less than $66,156 (indexed
 for inflation), 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Upon
 completion of Section 12(B) above, if a Loan is determined to be a QM loan, MaxDiligence
 will determine if the Loan is a Higher-Priced Mortgage Loan ("HPML") as defined
 by 12 CFR 1026.35:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the Loan is HPML, then the Loan shall be designated as QM Rebuttal Presumption (Higher
 Priced);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 the Loan is not an HPML, then the Loan shall be designated as QM Safe Harbor.

![](ex9926001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Upon
 completion of Section 12(B) above, for each Loan that is designated as Non-QM, MaxDiligence
 then will determine whether the mortgage loan complies with the ATR rule, in accordance
 with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. MaxDiligence
 will evaluate the Loan for ATR compliance based on the following eight factors and will
 verify such information using reasonably reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets: Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan. Review Loan documentation for required
 level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment:
 Review file documentation for required level of employment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans: Ensure that all concurrent Loans were included in the DTI calculation, to properly
 assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
 Obligations: Validate that the subject Loan's monthly payment calculation includes
 principle, interest, taxes, and insurance, as well as other costs related to the property
 such as homeowners' association fees, private mortgage insurance, ground rental
 fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations: Validate monthly recurring non-mortgage-related liabilities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate DTI or "residual income," based upon all mortgage
 and non-mortgage obligations, calculated as a ratio of gross monthly income, based on
 documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History: Review credit report for credit history and required credit depth, including
 any / all inquiries, and determine a representative credit score from the credit report.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Upon
 completion of Section 12(E) above, MaxDiligence will assign an ATR designation.

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence's
 review included a review of the valuation materials utilized during the origination of
 the loan and in confirming the value of the underlying property. MaxDiligence's
 review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

![](ex9926001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The
 original appraisal report is made and signed prior to the final approval of the mortgage
 loan application; Any revisions, if made known to MaxDiligence, to the original report
 are documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file but notes a variance
 above 10% or an inconclusive value, MaxDiligence recommended a BPO or field review be
 ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, MaxDiligence's review will (a) reviewed
 the relative comparable data (gross and net adjustments, sale dates and distance from
 subject property) and ensure that such comparable properties are within standard appraisal
 guidelines; (b) confirmed the property value and square footage of the subject property
 was bracketed by comparable properties, (c) verified that comparable properties used
 are similar in size, style, and location to the subject, and (d) checked for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of MaxDiligence's review included (i) verifying that the address matched
 the mortgage note, ((ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
 is in average or better condition and any repairs are noted where required and (b) that
 the subject property is the one for which the valuation was ordered and that there are
 no negative external factors; and (vi) confirming that the value product that was used
 as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, MaxDiligence will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, MaxDiligence
 created an exception, and work with the client on the next steps which may include ordering
 of additional valuation products such as collateral desktop reviews, broker's price
 opinions, and full appraisals, if needed. If the property valuation products included
 in MaxDiligence's review result in a variance of more than 10% then the client
 was notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence
 confirmed to the extent possible, that the appraiser and the appraisal made by such appraiser
 both satisfied the requirements of Title XI of FIRREA.

![](ex9926001.jpg)

---

| | |
|:---|:---|
|  | Specifically, MaxDiligence will review the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate. |
| e. | In addition, MaxDiligence accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed. |

---

**Compliance Review**

"Compliance Review" means that MaxDiligence reviewed each Loan to determine, as applicable and subject to the limitations below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements, each as amended. A Compliance Review shall not apply to business purpose loans.

The below Compliance Review is applicable to Loans with an application date on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). With regard to TRID testing, MaxDiligence implemented the TRID scope of review as detailed in (i) Section III -Regulatory Compliance of the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. On an ongoing basis, MaxDiligence reviews updated interpretations of TRID through informal guidance provided by the Consumer Financial Protection Bureau ("CFPB"), such CFPB guidance may cause changes in the review scope and severity of TRID related exceptions, including applicable cures. While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed
 the initial LE and confirmed (i) the correct form was used; (ii) all sections of the
 Initial LE are completed; and (iii) the initial LE accurately reflects the information
 provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a revised LE, confirmed (i) that there is a "valid reason" for the
 revised LE; and (ii) that the revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determined
 which LE in the file is the "final binding" LE for the purpose of Tolerance
 Testing. A revised LE that is issued after the CD, or that does not state a valid reason
 will not be used for the purposes of Tolerance Testing. All revised LEs issued to the
 consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirmed
 initial LE was delivered within three (3) business days from the application date, and
 at least seven (7) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirmed
 revised LE was delivered within three (3) business days from date of the "valid
 reason" giving rise to the Revised LE, and at least four (4) business days prior
 to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirmed
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

![](ex9926001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed
 the CD and confirmed (i) the correct form was used; (ii) all sections of the CD are completed;
 and (iii) the CD accurately reflected the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 a subsequent CD is issued, confirmed (i) that there was a valid reason for the change;
 (ii) that the CD was issued within three (3) days of the change; and (iii) whether the
 reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirmed
 initial CD, and any subsequent CD with material changes (i.e. changes that require a
 new waiting period), was received at least three (3) business days prior to the consummation
 date. With respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than sixty (60) days after discovery of the exception
 establishing the need for a revised CD or with respect to exception remediation measures
 for non-numerical exceptions, that a corrected CD was delivered or placed in the mail
 no later than sixty (60) days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) business days rescission period; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compared the fees disclosed in the final binding LE to those in the final
 CD, and confirmed that final CD fees are within the permitted tolerances. Confirmed the
 total of payments are considered accurate as defined by Regulation Z. Confirmed finance
 charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Reviewed the file to determine (i) whether there is evidence that certain
 changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
 whether the Loan originator followed the prescribed cure. Test for evidence such as a
 copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
 and (iii) with respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than sixty (60) days after discovery of the exception
 establishing the need for a revised CD or with respect to exception remediation measures
 for non-numerical exceptions, that a corrected CD was delivered or placed in the mail
 no later than sixty (60) days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

![](ex9926001.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirmed
 Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business
 days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR
 threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance
 with the disclosure requirements, limitation on terms and prohibited acts or practices
 in connection with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Reviewed
 relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Reviewed
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determined
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Reviewed
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit

![](ex9926001.jpg)

application, note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure; and <br> ii. Verified the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirmed
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirmed
 the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
 loan file or that the mortgage loan file contains documentary evidence that the disclosure
 was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirmed
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirmed
 the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirmed
 that the CHARM booklet was issued within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirmed
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirmed
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) business
 days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirmed
 the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirmed
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirmed
 that the creditor provided the borrower a list of homeownership counselling organizations
 within three (3) business days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging
 of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing
 of creditor providing a copy of each appraisal or other written valuation; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of state, county and municipal laws and ordinances
 with respect to "high-cost" mortgage loans, "covered" mortgage
 loans, "higher-priced" mortgage loans, "home" mortgage loans
 or any other

![](ex9926001.jpg)

similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>.
 MaxDiligence did not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

![](ex9926001.jpg)

**Summary of Results**

**OVERALL RESULTS SUMMARY**

The Guidelines listed below were used as a benchmark with respect to credit and property reviews for grading purposes. The loans were assigned an initial grade after the initial review. The final grade was determined after additional documentations were provided to satisfy outstanding conditions. When Guideline exceptions were provided, reviewers reviewed to ensure compensating factors were also provided and documented.

- AmeriSave Mortgage 2025.08.11 HELOAN Platinum Guide

- Better Mortgage HELOC & CES Guidelines

- FIMC JPM CES Final

- Georgia Banking GBC CES Mortgage Guides Correspondent

- Guaranteed Rate Closed End Seconds

- Guild Mortgage Jumbo Preferred Guidelines

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade of "B" or higher with 93.61% of the pool receiving an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.0%** |
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.0%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |

---

![](ex9926001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.0%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.0%** |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Bwr1 Income - Paystubs Less than 2 months | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Credit Documentation - Lien Documentation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Credit Documentation - Payment History Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Eligibility - Borrower Identity | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Guideline - Federal and/or State High Cost Ineligible per guidelines | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Coverage Amount is less than Required Coverage Amount | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Potential Fraud Reflected on Fraud Report | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Loan Package - 2nd Mortgage Note Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***34*** |

---

![](ex9926001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Property&nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Property Issue - Property Damage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;8 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***25*** |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;A | &nbsp;&nbsp;AbilityToRepay: QMPointsAndFees | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Charges That Cannot Increase Test (50001251) | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test (50001257) | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test (50001258) | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Federal - Closed End APR Disclosure Tolerance (Regular) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Federal - Closing Disclosure and Consummation Date | &nbsp;&nbsp;14 |
|  | &nbsp;&nbsp;Federal - Closing Disclosure Total of Payments Disclosure Tolerance | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Federal - Closing Disclosure Total of Payments Rescission Tolerance | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Federal - Foreclosure Rescission Finance Charge Tolerance | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Federal - Loan Estimate Received At Least Four Business Days Before Consummation | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Federal - Maximum Late Fee (01/14) | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Federal - Minimum Grace Period (01/14) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Federal - Section 32 Disclosure Required (High Cost) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;HighCost: APR/FEES | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;HPML Loan and Full Appraisal Required | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Insufficient Change of Circumstance (50001252) | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;Missing Attorney Preference Letter | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Note | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;8 |
|  | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;TRID: Missing Initial Closing Disclosure | &nbsp;&nbsp;7 |
|  | &nbsp;&nbsp;Washington - Discount Points | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Interest: DaysInYear | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;South Carolina - Days Used For Interest Calculation | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;System: RuleEngine | &nbsp;&nbsp;1 |

---

![](ex9926001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***66*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit and Property Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 27 Loans reviewed, 14 unique Loans (by loan count) had a total of 34 different tape discrepancies across 8 data fields (some Loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Field Label** |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;Escrow Waiver in File | &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Qualifying LTV |  |

---

**Event Grade Definitions**

---

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

---

---

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

---

![](ex9926001.jpg)

---

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

---

---

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

---

## Exhibit 99.22

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.22**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxxxxx | xxxxxx | 304865107 | AmeriSave Mortgage | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | avm value $xxxxxx |
| xxxxxx | xxxxxx | 304868070 | Guild Mortgage | CLTV | propertyValuationPage | 60.97 | 60.85 | Per credit report and AVM: $xxxxxx senior lien + $xxxxxx subject = $xxxxxx / $xxxxxx value = xxxxxx% |
| xxxxxx | xxxxxx | 304873070 | AmeriSave Mortgage | Qualifying CLTV | propertyValuationPage | 79.5 | 76 | Per 1008, rounding |
| xxxxxx | xxxxxx | 304873070 | AmeriSave Mortgage | CLTV | propertyValuationPage | 79.5 | 79.68 | Per 1008, rounding |
| xxxxxx | xxxxxx | 304873070 | AmeriSave Mortgage | Final Reviewed QM Status | diligenceFinalLookPage | QM: Average Prime Offer Rate (APOR) | Qualified Mortgage - Agency Safe Harbor (APOR) | ATR Risk due to debt ratio over 50.0% |
| xxxxxx | xxxxxx | 304878877 | AmeriSave Mortgage | Qualifying CLTV | propertyValuationPage | 84.6 | 85 | Per xxxxxx Mortgage Statement senior lien balance $xxxxxx + $xxxxxxx subject 2nd = $xxxxxx/$xxxxxx = xxxxxxx% |
| xxxxxx | xxxxxx | 304878877 | AmeriSave Mortgage | CLTV | propertyValuationPage | 84.6 | 84.77 | Per xxxxxx Mortgage Statement senior lien balance $xxxxxx + $xxxxxx subject 2nd = $xxxxxx/$xxxxxx = xxxxxx% |
| xxxxxx | xxxxxx | 304878877 | AmeriSave Mortgage | Final Reviewed QM Status | diligenceFinalLookPage | QM: Rebuttable Presumption (APOR) | Non-QM: Lender documented all ATR UW factors | Per credit documentation two-year full doc income supported, and compliance review supports QM-Rebuttable Presumption due to HPML |
| xxxxxx | xxxxxx | 304894291 | AmeriSave Mortgage | Final Reviewed QM Status | diligenceFinalLookPage | QM: Rebuttable Presumption (APOR) | Qualified Mortgage - Agency Rebuttable Presumption (APOR) | ONE AND SAME |
| xxxxxx | xxxxxx | 304896370 | Guaranteed Rate | Qualifying LTV | propertyValuationPage | 22.17 | 21.70 |  |
| xxxxxx | xxxxxx | 304896370 | Guaranteed Rate | Property Type | propertyValuationPage | PUD | Single Family Detached |  |
| xxxxxx | xxxxxx | 304896370 | Guaranteed Rate | CLTV | propertyValuationPage | 64.26 | 63.04 |  |
| xxxxxx | xxxxxx | 304896370 | Guaranteed Rate | Final Reviewed QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Safe Harbor QM |  |
| xxxxxx | xxxxxx | 304896757 | Guild Mortgage | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal subject property is a PUD |
| xxxxxx | xxxxxx | 304904521 | Guild Mortgage | Qualifying CLTV | propertyValuationPage | 48.12 | 49 | Based on a first-lien balance of $xxxxxx plus subject loan balance of $xxxxxx and a property value of $xxxxxx. |
| xxxxxx | xxxxxx | 304904521 | Guild Mortgage | Final Reviewed QM Status | diligenceFinalLookPage | QM: Average Prime Offer Rate (APOR) | Safe Harbor QM | The audit finds that the final review QM status is Safe Harbor. |
| xxxxxx | xxxxxx | 304907174 | Guild Mortgage | Qualifying CLTV | propertyValuationPage | 62.52 | 72 | $xxxxxx/$xxxxxx=xxxxxx% CLTV |
| xxxxxx | xxxxxx | 304907174 | Guild Mortgage | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | AVM DATED xxxxxx SHOWS VALUE OF $xxxxxx |
| xxxxxx | xxxxxx | 304907174 | Guild Mortgage | CLTV | propertyValuationPage | 62.52 | 71.83 | $xxxxxx/$xxxxxx=xxxxxx% CLTV |
| xxxxxx | xxxxxx | 304907286 | Guild Mortgage | Qualifying CLTV | propertyValuationPage | 72.45 | 74 | Per Sr. Lien loan history on xxxxxx senior lien: $xxxxxx + $xxxxxx subject 2nd = $xxxxxx / $xxxxxx = xxxxxx% |
| xxxxxx | xxxxxx | 304907286 | Guild Mortgage | Borrower 2 Citizen | the1003Page | Permanent Resident Alien | US Citizen |  |
| xxxxxx | xxxxxx | 304907286 | Guild Mortgage | Final Reviewed QM Status | diligenceFinalLookPage | QM: Average Prime Offer Rate (APOR) | Qualified Mortgage - Rebuttable Presumption (APOR) | Per credit and compliance reviews, QM: Safe Harbor designation |
| xxxxxx | xxxxxx | 304907286 | Guild Mortgage | Escrow Waiver in File | disclosuresPage | Yes | No | Per executed Escrow Account Waiver and final Closing Disclosure |
| xxxxxx | xxxxxx | 304908558 | Guaranteed Rate | CLTV | propertyValuationPage | 89.37 | 89.68 |  |
| xxxxxx | xxxxxx | 304908558 | Guaranteed Rate | Final Reviewed QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Temporary SHQM |  |
| xxxxxx | xxxxxx | 304911282 | Guild Mortgage | Qualifying CLTV | propertyValuationPage | 46.63 | 47 | Based on a first-lien balance of $xxxxxx plus subject loan balance of $xxxxxx and a property value of $xxxxxx. |
| xxxxxx | xxxxxx | 304911282 | Guild Mortgage | CLTV | propertyValuationPage | 46.63 | 46.54 | Based on a first-lien balance of $xxxxxx plus subject loan balance of $xxxxxx and a property value of $xxxxxx. |
| xxxxxx | xxxxxx | 304911282 | Guild Mortgage | Final Reviewed QM Status | diligenceFinalLookPage | QM: Average Prime Offer Rate (APOR) | Non-QM: Lender documented all ATR UW factors | The audit finds that the final review QM status is Safe Harbor. |
| xxxxxx | xxxxxx | 304933519 | AmeriSave Mortgage | Qualifying CLTV | propertyValuationPage | 65.28 | 66 | Based on a first-lien balance of $xxxxxxplus subject loan balance of $xxxxxx totally $xxxxxx and a property value of $xxx. |
| xxxxxx | xxxxxx | 304933519 | AmeriSave Mortgage | Final Reviewed QM Status | diligenceFinalLookPage | QM: Average Prime Offer Rate (APOR) | Qualified Mortgage - Agency Rebuttable Presumption (APOR) | The audit finds that the final review QM status is Safe Harbor. |
| xxxxxx | xxxxxx | 305012631 | Guild Mortgage | Qualifying CLTV | propertyValuationPage | xxxxxx | 70 | Per xxxxxx Loan Activity Statement sr. lien $xxxxxx + $xxxxxx subject 2nd = $xxxxxx / $xxxxxx value = xxxxxx% |
| xxxxxx | xxxxxx | 305012631 | Guild Mortgage | CLTV | propertyValuationPage | xxxxxx | 69.05 | Per xxxxxx Loan Activity Statement sr. lien $xxxxxx + $xxxxxx subject 2nd = $xxxxxx / $xxxxxx value = xxxxxx% |
| xxxxxx | xxxxxx | 305012631 | Guild Mortgage | Final Reviewed QM Status | diligenceFinalLookPage | QM: Rebuttable Presumption (APOR) | QM: Average Prime Offer Rate (APOR) | Per compliance review, loan is HPML |
| xxxxxx | xxxxxx | 305012631 | Guild Mortgage | Escrow Waiver in File | disclosuresPage | Yes | No | Per executed Escrow Waiver provided, with final Closing Disclosure for support |

---

## Exhibit 99.23

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.23**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| xxxxxx | 304973620 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | System: RuleEngine | xxxxxx |  | Please advise what is needed to clear condition - xxxxxx<br>| Invalid finding set in error. - xxxxxx<br>Please advise what is needed to clear condition - xxxxxx<br>|  | xxxxxx 16:25 | Void | 3 | 1 | 3 | 1 |
| xxxxxx | 304908494 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure and Consummation Date |  |  |  |  |  | xxxxxx 18:07 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304908606 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | South Carolina - Days Used For Interest Calculation |  |  | Finding was previously rescinded. Reopened in error - xxxxxx <br>South Carolina - Days Used For Interest Calculation -- NA - xxxxxx<br>| . - xxxxxx<br> Finding was previously rescinded. Reopened in error - xxxxxx<br> xxxxxx - Days Used For Interest Calculation -- NA - xxxxxx<br> NA - xxxxxx |  | xxxxxx 18:15 | Void | 3 | 1 | 4 | 1 |
| xxxxxx | 304908606 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | Interest: DaysInYear |  |  | Interest: DaysInYear - xxxxxx<br>| Finding was previously rescinded. Reopened in error - xxxxxx<br>Interest: DaysInYear - xxxxxx<br>|  | xxxxxx 18:12 | Void | 3 | 1 | 4 | 1 |
| xxxxxx | 304908558 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Credit | Loan Package - 2nd Mortgage Note Missing | Loan file does not include subordinate lien documentation. Unable to locate a copy of the note for the first lien mortgage. <br>|  | Recorded mortgage was already in file and is all that would be required since first lien is not an ARM. Note is only required when an ARM. - xxxxxx<br>| In file. - xxxxxx<br>Recorded mortgage was already in file and is all that would be required since first lien is not an ARM. Note is only required when an ARM. - xxxxxx<br>|  | xxxxxx 23:27 | Void | 3 | 1 | 3 | 1 |
| xxxxxx | 304933519 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | xxxxxx 20:30 | Cleared | 1 | 1 | 4 | 1 |
| xxxxxx | 304933519 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | xxxxxx 20:30 | Cleared | 1 | 1 | 4 | 1 |
| xxxxxx | 304933519 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | TRID: Missing Initial Closing Disclosure | The loan file does not contain the initial Closing Disclosure. <br>|  | See attached compliance log pages 10-12 showing bwr timely receipt - xxxxxx <br>Hello. Please see attached - xxxxxx<br>| Received ICD and disclosure traicking - xxxxxx<br>See attached compliance log pages 10-12 showing bwr timely receipt - xxxxxx<br>Received ICD, however is not signed and disclosure tracking is not located in the loan file. Provide electronic delivery or signed CD to verify borrower received 3 days prior to closing. - xxxxxx<br>Received ICD, however is not signed and disclosure tracking is not located in the loan file. Provide electronic delivery or signed CD to verify borrower received 3 days prior to closing. - xxxxxx<br>Hello. Please see attached - xxxxxx<br>|  | xxxxxx 15:28 | Resolved | 4 | 1 | 4 | 1 |
| xxxxxx | 304865107 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Compliance | Charges That Cannot Increase Test (50001251) | The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – State, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). CD for the increase in fees is missing from the file. Per documents there was a change of circumstance submitted for a QCD resulting in the increase in recording fees and transfer taxes. Please provide the closing disclosure for the change of circumstance dated xxxxxx to cure this finding. If it cannot be provided the finding cannot be cured. <br>|  | Please review - xxxxxx<br>| Received ICD - xxxxxx<br>Please review - xxxxxx<br>|  | xxxxxx 18:13 | Resolved | 3 | 1 | 4 | 1 |
| xxxxxx | 304865107 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Compliance | Insufficient Change of Circumstance (50001252) | The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – State, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). <br>|  | Please review - xxxxxx<br>| Received ICD - xxxxxx<br>Please review - xxxxxx<br>|  | xxxxxx 18:13 | Resolved | 3 | 1 | 4 | 1 |
| xxxxxx | 304865107 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The CD in the file was issued on xxxxxx and signed on xxxxxx. It was not received by the borrower until xxxxxx which is not 3 days prior to the closing date of xxxxxx. Please provide a Closing Disclosure provided to the Borrower 3 business days prior to xxxxxx. Otherwise, there is no cure for this finding.<br>The following CDs are missing from the file for review- please forward if these documents are available to help clear open findings.<br> xxxxxx- Initial CD<br> xxxxxx- COC CD for QCD 3rd party fees and increase for rec and tax stamp<br> xxxxxx- lock extension<br>|  | Please review - xxxxxx<br>| Received ICD - xxxxxx<br>Please review - xxxxxx<br>|  | xxxxxx 18:13 | Resolved | 3 | 1 | 4 | 1 |
| xxxxxx | 304865107 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Compliance | TRID: Missing Initial Closing Disclosure | The loan file does not contain the initial Closing Disclosure. Per review of the COC record in file, the Initial CD dated xxxxxxnd Revised CDs dated xxxxxxxxxxxxand xxxxxxre missing from the file for Comp testing. Once provided, other open findings may be resolved or additional findings added. <br>|  | Please review - xxxxxx<br>| Received ICD - xxxxxx<br>Please review - xxxxxx<br>|  | xxxxxx 18:14 | Resolved | 4 | 1 | 4 | 1 |
| xxxxxx | 304865107 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Credit | Title Document Missing | Title document is missing. originator to provide title commitment. <br>|  | Attached CTC Cert & QCD - xxxxxx <br>provided the property report - xxxxxx<br>| Title docs provided. Condition resolved. - xxxxxx<br> Attached CTC Cert & QCD - xxxxxx<br> Condition upheld. Vesting is incorrect and does reflect the wife's (B2) name. Name on tile is not wife's (B2) name. VESTING: xxxxxx, HIS WIFE - xxxxxx<br> provided the property report - xxxxxx |  | xxxxxx 18:10 | Resolved | 3 | 1 | 4 | 1 |
| xxxxxx | 304865107 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Compliance | HPML Loan and Full Appraisal Required | HPML loans require full appraisal report and missing from file. . <br>|  | Safe Harbor loan. Loan Amount $xxxxxx. APOR 5.910 + 3.5pts = 9.410% APR threshold. APR on Final CD reflected as 9.275% within threshold. (see pg 8 attached) QM rebuttable presumption. AVM used. - xxxxxx | Confirmed through compliance report in the file that loan passes QM testing. Appraisal is not required - xxxxxx<br> Safe Harbor loan. Loan Amount $xxxxxx APOR 5.910 + 3.5pts = 9.410% APR threshold. APR on Final CD reflected as 9.275% within threshold. (see pg 8 attached) QM rebuttable presumption. AVM used. - xxxxxx |  | xxxxxx 16:26 | Resolved | 3 | 1 | 4 | 1 |
| xxxxxx | 304867851 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | xxxxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | xxxxxx 16:26 | Cleared | 1 | 1 | 4 | 1 |
| xxxxxx | 304867851 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | xxxxxx | Compliance | Missing Note | Missing Note for subject first mortgage. <br>|  | Credit Finding for 1st mtg note on subject - not needed for compliance review - xxxxxx <br>provided the MLS - xxxxxx <br>Note for review - xxxxxx<br>| MLS for 1st lien was provided. Condition resolved. - xxxxxx<br>provided the MLS - xxxxxx<br>Condition is for first mortgage note. - xxxxxx<br>Note for review - xxxxxx<br>|  | xxxxxx 17:47 | Resolved | 4 | 1 | 4 | 1 |
| xxxxxx | 304867851 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | xxxxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | xxxxxx 16:27 | Cleared | 1 | 1 | 4 | 1 |
| xxxxxx | 304867851 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | xxxxxx | Compliance | TRID: Missing Initial Closing Disclosure | The loan file does not contain the initial Closing Disclosure. Per review of the COC record in file, the Initial CD dated xxxxxxs well as Revised CDs dated xxxxxxxxxxxx& xxxxxxre missing for complete compliance review. Please provide all disclosures. <br>|  | initial Cd provided for review - xxxxxx<br>| Received all CDs - xxxxxx<br>initial Cd provided for review - xxxxxx<br>|  | xxxxxx 18:19 | Resolved | 4 | 1 | 4 | 1 |
| xxxxxx | 304873070 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI exceeds guideline DTI. The loan file is missing a letter or explanation to address the reason for decline in B2 current earnings per most recent pay stub provided . The current paystub, period ending xxxxxx, supports bi weekly amt of $ xxxxxx x26/12= $xxxxxx earned which represents 32 hours worked for the bi-weekly pay period. The paystub shows an "unpaid FML" of 40.0 hours; however, no documentation provided to support when pay will return back to full time 80 hours. Using $xxxxxx monthly total earnings for B2, the debt ratio is 54.27% and has exceeded the guideline maximum debt ratio of 50%. <br>|  | The borrower is not on scheduled leave however they are approved to receive up to 12 weeks of Family leave over a 12 month period as needed. Please see the attached letter. - xxxxxx <br>The borrower is not out on leave of any kind. If you look at the recent paystubs they borrower did not earn Leave pay. - xxxxxx<br>| Docs provided. Condition resolved. - xxxxxx<br> The borrower is not on scheduled leave however they are approved to receive up to 12 weeks of Family leave over a 12 month period as needed. Please see the attached letter. - xxxxxx<br> The document provided to show the borrower is no longer on FMLA has no identifying info on it nor a pay date. The regular pay amount seems to indicate this is an older paystub. The xxxxxx paystub shows xxxxxx and the screenshot provided shows regular pay xxxxxx. - xxxxxx<br> The borrower is not out on leave of any kind. If you look at the recent paystubs they borrower did not earn Leave pay. - xxxxxx |  | xxxxxx 16:11 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304873070 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (20251121). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The CD provided in the file is dated xxxxxx which is not 3 business days prior to the closing date of xxxxxx. Please provide a Closing Disclosure that was provided to the Borrower 3 business days prior to xxxxxx. Otherwise, there is no cure for this finding. <br>|  | Appears that the Initial CD is missing from the file and needs to be provided to resolve the consummation finding - xxxxxx <br>Please see attached. - xxxxxx<br>| Received initial CD - xxxxxx<br>Please see attached. - xxxxxx<br>|  | xxxxxx 15:33 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304873070 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Property | Property Issue - Property Damage | The loan file verified property damage which was not adequately addressed. The xxxxxx Property Condition Inspection (PCI) noted $xxxxxx in estimated repair costs due to peeling paint on the fascia and trim; however, no updated PCI report provided to show repairs done and no approved exception was found to address the matter. The guidelines require if PCI returns damage, the damage must be fixed and a new PCI ordered. <br>|  | We are not required by FNMA to get updates for cosmetic cures - xxxxxx<br>| Repairs are a cosmetic cure for paint. Condition resolved. - xxxxxx<br>We are not required by FNMA to get updates for cosmetic cures - xxxxxx<br>|  | xxxxxx 17:38 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304873070 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | Insufficient Change of Circumstance (50001252) | The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Verification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Per CIC in the file, the loan discount fee increased on xxxxxx. The CD for this increase is not located in the loan file. The Verification of Employment fee of $xxxxxx was added to the final CD without a CIC. <br>|  | cd dated xxxxxx - xxxxxx <br>Please see attached. - xxxxxx<br>| Received CIC and corresponding CD's - xxxxxx<br>- xxxxxx<br>cd dated xxxxxx - xxxxxx<br>Received CIC for the addition of VOE fee, however Per CIC in the file, the loan discount fee increased on xxxxxx. The CD for this increase is not located in the loan file. - xxxxxx<br>Please see attached. - xxxxxx<br>|  | xxxxxx 18:11 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304973620 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | xxxxxx 04:25 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304973620 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | xxxxxx 04:25 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304973620 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | Charges That Cannot Increase Test (50001251) | The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $xxxxxx for 0% tolerance fees.<br>An appraisal fee was added to the CD dated xxxxxx. COC in file reflects this fee was known about on xxxxxx. Not disclosed within 3 days of the change. <br>|  | initial cd provided - xxxxxx<br>| Received ICD - xxxxxx<br>initial cd provided - xxxxxx<br>|  | xxxxxx 17:57 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304973620 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | Insufficient Change of Circumstance (50001252) | The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $xxxxxx for 0% tolerance fees.<br>An appraisal fee was added to the CD dated xxxxxx. COC in file reflects this fee was known about on xxxxxx. Not disclosed within 3 days of the change. <br>|  | initial cd provided - xxxxxx<br>| Received ICD - xxxxxx<br>initial cd provided - xxxxxx<br>|  | xxxxxx 17:56 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304973620 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (20251124). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Missing Initial CD. Need proof initial CD was received by the borrower 3 days before consummation date of xxxxxx. <br>|  | initial cd provided - xxxxxx<br>| Received ICD - xxxxxx<br>initial cd provided - xxxxxx<br>|  | xxxxxx 17:56 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304878877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure Total of Payments Rescission Tolerance | The disclosed Total of Payments ($xxxxxx) is understated by more than the greater of $xxxxxx or 1/2 of 1% of the note amount when compared to the actual Total of Payments of ($xxxxxx). The difference is ($xxxxxx). For loans subject to the right of rescission, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than 1/2 of 1 percent of the face amount of the note ($xxxxxx) or $xxxxxx, whichever is greater. (12 CFR 1026.23(g)(1)(ii)) . <br>|  |  | Received all CD's - xxxxxx<br>|  | xxxxxx 17:36 | Resolved | 3 | 1 | 4 | 1 |
| xxxxxx | 304878877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | The disclosed Total of Payments ($xxxxxx) is understated by more than $xxxxxx when compared to the actual Total of Payments of ($xxxxxx). The difference is ($xxxxxx). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) . <br>|  |  | Received all CD's - xxxxxx<br>|  | xxxxxx 17:35 | Resolved | 3 | 1 | 4 | 1 |
| xxxxxx | 304878877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Foreclosure Rescission Finance Charge Tolerance | The disclosed finance charge ($xxxxxx) is ($xxxxxx) below the actual finance charge ($xxxxxx). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $xxxxxx below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) . <br>|  |  | Received all CD's - xxxxxx<br>|  | xxxxxx 17:35 | Resolved | 3 | 1 | 4 | 1 |
| xxxxxx | 304878877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | The disclosed Total of Payments ($xxxxxx) is understated by more than $100 when compared to the actual Total of Payments ($xxxxxx). The difference is ($xxxxxx). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $100. (12 CFR 1026.38(o)(1)) . <br>|  |  | Received all CD's - xxxxxx<br>|  | xxxxxx 17:36 | Resolved | 3 | 1 | 4 | 1 |
| xxxxxx | 304878877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closed End APR Disclosure Tolerance (Regular) | The disclosed APR (xxxxxx) is lower than the actual APR (xxxxxx) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) <br>|  |  | Received all CD's - xxxxxx<br>|  | xxxxxx 17:37 | Resolved | 3 | 1 | 4 | 1 |
| xxxxxx | 304878877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | TRID: Missing Initial Closing Disclosure | The loan file does not contain the initial Closing Disclosure. Per review of the COC records, the file is missing the following: Initial CD dated xxxxxxnd Revised CDs dated xxxxxxxxxxxxxxxxxxand xxxxxxPlease provide for Comp testing. <br>|  | Initial Cd and interim CDs provided - xxxxxx<br>| Received all CD's - xxxxxx<br>Initial Cd and interim CDs provided - xxxxxx<br>|  | xxxxxx 17:40 | Resolved | 4 | 1 | 4 | 1 |
| xxxxxx | 304878877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | xxxxxx 07:28 | Cleared | 1 | 1 | 4 | 1 |
| xxxxxx | 304878877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | xxxxxx 07:50 | Cleared | 1 | 1 | 4 | 1 |
| xxxxxx | 304878877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Charges That Cannot Increase Test (50001251) | Travel Fee of $xxxxxx, paid to affiliate of lender was added to the final CD without a CIC. A $xxxxxx cure is required.  |  | Hello. Please see attached - xxxxxx <br>Hello. Please see attached - xxxxxx<br>| Received confirmation per lender cousel attestation that xxxxxx is no longer a lender affiliate. Finding resolved - xxxxxx<br> Hello. Please see attached - xxxxxx<br> A CIC was not provided for the addition of this fee. A $xxxxxx cure is required. Provide PCCD, LOE to the borrower explaining the reason for the refund, copy of check and proof of mailing - xxxxxx<br> Hello. Please see attached - xxxxxx |  | xxxxxx 15:45 | Resolved |  | 1 | 4 | 1 |
| xxxxxx | 304878877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Charges That In Total Cannot Increase More Than 10% Test (50001258) |  |  |  | Received confirmation per lender cousel attestation that xxxxxx is no longer a lender affiliate. - xxxxxx |  | xxxxxx 15:47 | Resolved |  | 1 | 4 | 1 |
| xxxxxx | 304878877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Charges That In Total Cannot Increase More Than 10% Test (50001257) |  |  |  | Received confirmation per lender cousel attestation that xxxxxx is no longer a lender affiliate. Finding resolved - xxxxxx |  | xxxxxx 15:47 | Resolved |  | 1 | 4 | 1 |
| xxxxxx | 304893842 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | Potential Fraud Reflected on Fraud Report | Potential fraud reflected on Fraud Report. <br>|  |  |  |  | xxxxxx 03:59 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304893842 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | xxxxxx 04:00 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304893842 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | Washington - Discount Points | The Washington Administrative Code requires the discount points actually lower the rate. The note rate (11.25%) is not lower than the undiscounted rate (10.0%). WAC 208-620-555(3)(e). Compliance report in the file discloses pre-discounted rate of 10%, loan interest rate is xxxxxx% <br>|  | Hello. Please see attached - xxxxxx<br>| Received correct undiscounted rate - xxxxxx<br>Hello. Please see attached - xxxxxx<br>|  | xxxxxx 13:56 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304893842 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Please provide the initial CD <br>|  | initial cd - xxxxxx<br>| Received ICD - xxxxxx<br>initial cd - xxxxxx<br>|  | xxxxxx 14:01 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304893842 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | Credit Documentation - Lien Documentation | The loan file did not contain sufficient documentation to verify the (senior/subordinate) lien as required. Missing Senior Lien Origination note/documentation <br>|  | provided the MLS - xxxxxx<br>| MLS was provided. Condition resolved. - xxxxxx<br>provided the MLS - xxxxxx<br>|  | xxxxxx 16:40 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304894291 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | xxxxxx 18:36 | Cleared | 1 | 1 | 4 | 1 |
| xxxxxx | 304894291 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | xxxxxx 18:36 | Cleared | 1 | 1 | 4 | 1 |
| xxxxxx | 304894291 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Maximum Late Fee (01/14) | You submitted a late fee amount of ($xxxxxx) and a (5.0%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (12 CFR 1026.34(a)(8)(i)) Ran mavent in error without the initial CD. <br>|  | please provide what is needed to clear as other investors using xxxxxx for this "elect to waive" this condition - xxxxxx | Reopened in error - xxxxxx<br> please provide what is needed to clear as other investors using xxxxxx for this "elect to waive" this condition - xxxxxx |  | xxxxxx 17:59 | Void | 1 | 1 | 4 | 1 |
| xxxxxx | 304894291 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Minimum Grace Period (01/14) | The grace period in this transaction is 10.0 days. In connection with a Federal High-Cost Mortgage a late payment charge may be imposed only if the payment is not received by the end of the 15-day period beginning on the date the payment is due. (12 CFR 1026.34(a)(8)(ii)) Ran mavent in error without the initial CD. <br>|  | please provide what is needed to clear conditions - xxxxxx<br>| re-opened in error - xxxxxx<br>please provide what is needed to clear conditions - xxxxxx<br>|  | xxxxxx 17:59 | Void | 1 | 1 | 4 | 1 |
| xxxxxx | 304894291 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | HighCost: APR/FEES | The loan fees ($xxxxxx) exceed the (FED2014) (Note Amount >=$xxxxxx) fee limit, which is 5% of the Total Loan Amount ($xxxxxx), the difference is ($xxxxxx). (12 CFR 1026.32). Ran mavent in error without the initial CD. <br>|  | Please provide calculation or what is needed to clear this condition - xxxxxx<br>| Re-opened in error - xxxxxx<br>Please provide calculation or what is needed to clear this condition - xxxxxx<br>|  | xxxxxx 17:59 | Void | 1 | 1 | 4 | 1 |
| xxxxxx | 304894291 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Per review of the COC records in file, the Initial CD dated xxxxxxRevised CD dated xxxxxxRevised CD dated xxxxxxand Revised CD dated xxxxxxre missing from the file for TRID Comp testing <br>|  | initial CDs for review - xxxxxx<br>| Received initial Closing Disclosure with confirmed receipt date of xxxxxx which is more than 3 days from the consummation date of xxxxxx. - xxxxxx<br>initial CDs for review - xxxxxx<br>|  | xxxxxx 21:44 | Resolved | 3 | 1 | 4 | 1 |
| xxxxxx | 304894291 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | TRID: Missing Initial Closing Disclosure | The loan file does not contain the initial Closing Disclosure. <br>|  | initial cd's has been provided for review. this included the initial CD requested - xxxxxx<br>| Received all CDs - xxxxxx<br>initial cd's has been provided for review. this included the initial CD requested - xxxxxx<br>|  | xxxxxx 17:52 | Resolved | 4 | 1 | 4 | 1 |
| xxxxxx | 304894291 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Credit | Guideline - Federal and/or State High Cost Ineligible per guidelines | Loan is a Federal or State High Cost Loan. The missing TRID disclosures may help resolve this finding <br>|  |  | Received ICD. Newly ran mavent confirms loan is not a High Cost loan - xxxxxx<br>|  | xxxxxx 16:53 | Resolved | 3 | 1 | 4 | 1 |
| xxxxxx | 304892344 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | xxxxxx 18:48 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304892344 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | xxxxxx 18:48 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304892344 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Washington - Discount Points | The xxxxxx Administrative Code requires the discount points actually lower the rate. The note rate (xxxxxx%) is not lower than the undiscounted rate (xxxxxx%). WAC 208-620-555(3)(e). State <br>|  | Please review the attached rebuttal - xxxxxx<br>| Received evidence of the SAR which is higher than the note rate - xxxxxx<br>Please review the attached rebuttal - xxxxxx<br>|  | xxxxxx 14:21 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304898858 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd party VOE prior to close missing. <br>|  | B2 is self employed, provided the 3rd party verification - xxxxxx<br>| B2 is self employed. Condition resolved. - xxxxxx<br>B2 is self employed, provided the 3rd party verification - xxxxxx<br>|  | xxxxxx 22:25 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304898858 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | xxxxxx 20:21 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304898858 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Compliance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | The total amount of the 10% category fees on the last Closing Disclosure ($xxxxxx) has increased by more than 10% over the current baseline value of ($xxxxxx). The total amount of fees in the 10% category cannot exceed ($xxxxxx). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Inspection Fee, Appraisal Fee, Verification Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)).  |  |  | Received CIC for added fees - xxxxxx<br>- xxxxxx<br>|  | xxxxxx 15:48 | Resolved | 1 | 1 | 3 | 1 |
| xxxxxx | 304898858 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Compliance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | The total amount of the 10% category fees ($1,018.61) has increased by more than 10% over the current baseline value of ($301.40). The total amount of fees in the 10% category cannot exceed ($331.54). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Inspection Fee, Appraisal Fee, Verification Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Verification of Employment was added to the Final CD without a valid change in circumstance. <br>|  | Rebuttal - 10% tolerance violation - xxxxxx<br>| Received CIC for added fees - xxxxxx<br>- xxxxxx<br>Rebuttal - 10% tolerance violation - xxxxxx<br>|  | xxxxxx 15:48 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304898858 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure was provided on (xxxxxx) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (xxxxxx). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (xxxxxx), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20251202), for consummation to occur on (xxxxxx). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The Initial Closing Disclosure was not signed and I was unable to locate proof of electronic delivery. <br>|  | initial CD and compliance log - xxxxxx<br>| Received CD and tracking log - xxxxxx<br>initial CD and compliance log - xxxxxx<br>|  | xxxxxx 16:59 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304898858 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | A revised Loan Estimate was provided on (xxxxxx) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (xxxxxx). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (xxxxxx), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (xxxxxx). (12 CFR 1026.19(e)(4)(ii)) The revised Loan Estimate was not signed and I was unable to locate proof of electronic delivery. <br>|  | compliance log showing delivery electric - xxxxxx<br>| Received tracking log - xxxxxx<br>compliance log showing delivery electric - xxxxxx<br>|  | xxxxxx 17:00 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304898858 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Credit | Title Document Missing | Title document is missing. <br>|  | Title insurance or coverage amount not needed for HELOANs - xxxxxx <br>provided the property report - xxxxxx<br>| Property report provided. Condition resolved. - xxxxxx<br>Title insurance or coverage amount not needed for HELOANs - xxxxxx<br>Condition upheld. Docs provided does not show coverage amount. - xxxxxx<br>provided the property report - xxxxxx<br>|  | xxxxxx 18:43 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304907274 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. Hazard Insurance Coverage Amount of $xxxxxx is less than Total Amount of Subject Lien(s) of $xxxxxx <br>|  | provided the RCE - xxxxxx<br>| Replacement Cost Estimate was provided confirming a reconstruction cost of $xxxxxx. Hazard insurance coverage amount is $xxxxxx. Condition resolved. - xxxxxx<br> provided the RCE - xxxxxx |  | xxxxxx 19:43 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304907274 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | xxxxxx 23:15 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304907274 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Maximum Late Fee (01/14) | You submitted a late fee amount of ($27.41) and a (5.0%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (12 CFR 1026.34(a)(8)(i)) Missing Initial CD. Need proof initial CD was received by the borrower 3 days before consummation date of xxxxxx. <br>|  | Please see attached. - xxxxxx<br>| Confirmed loan is not high cost - xxxxxx<br>Please see attached. - xxxxxx<br>|  | xxxxxx 22:08 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304907274 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | AbilityToRepay: QMPointsAndFees | The loan fees ($xxxxxx) exceed the (QM) (Note Amount >=$xxxxxx and <$xxxxxx) fee limit, which is 5% of the Total Loan Amount ($xxxxxx), the difference is ($xxxxxx). (12 CFR 1026.43(e)(3). The loan fees ($xxxxxx) exceed the (QM) (Note Amount >=$xxxxxx and <$xxxxxx) fee limit, which is 5% of the Total Loan Amount ($xxxxxx), <br>|  | Please see attached. - xxxxxx<br>| Received confirmation loan is not high cost and testing for QM points and fees passed. - xxxxxx<br>Please see attached. - xxxxxx<br>|  | xxxxxx 16:11 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304907274 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Charges That Cannot Increase Test (50001251) | The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $xxxxxx for 0% tolerance fees.<br>An appraisal fee was added to the CD dated xxxxxx and was paid to the Affiliate. COC shows this fee was added on xxxxxx. Missing this CD <br>|  | Please see attached. - xxxxxx<br>| Resolved - xxxxxx<br>Received xxxxxx CD - xxxxxx<br>Please see attached. - xxxxxx<br>|  | xxxxxx 22:05 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304907274 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Insufficient Change of Circumstance (50001252) | The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $xxxxxx for 0% tolerance fees.<br>An appraisal fee was added to the CD dated xxxxxx and was paid to the Affiliate. COC shows this fee was added on xxxxxx. Missing this CD <br>|  | Received xxxxxx CD - xxxxxx <br>Please see attached. - xxxxxx<br>| Resolved - xxxxxx<br>Received xxxxxx CD - xxxxxx<br>Please see attached. - xxxxxx<br>|  | xxxxxx 22:05 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304907274 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Section 32 Disclosure Required (High Cost) | This is a Federal High Cost Loan. Since the loan file does not contain a Section 32 Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section 32 disclosures at least 3 business days prior to consummation, in violation of Reg Z. (12 CFR 1026.31(c) and 1026.32(c)) This is a Federal High Cost Loan. Since the loan file does not contain a Section 32 Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section 32 disclosures at least 3 business days prior to consummation, in violation of Reg Z. <br>|  | Please see attached. - xxxxxx<br>| Confirmed loan is not high cost - xxxxxx<br>Please see attached. - xxxxxx<br>|  | xxxxxx 22:08 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304907274 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | HighCost: APR/FEES | The loan fees ($xxxxxx) exceed the (FED2014) (Note Amount >=$xxxxxx) fee limit, which is 5% of the Total Loan Amount ($xxxxxx), the difference is ($xxxxxx). (12 CFR 1026.32). The loan fees ($xxxxxx) exceed the (FED2014) (Note Amount >=$xxxxxx) fee limit, which is 5% of the Total Loan Amount ($xxxxxx), the difference is ($xxxxxx) <br>|  | Please see attached. - xxxxxx<br>| Confirmed loan is not high cost - xxxxxx<br>Please see attached. - xxxxxx<br>|  | xxxxxx 22:08 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304907274 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (20251128). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Missing Initial CD. Need proof initial CD was received by the borrower 3 days before consummation date of xxxxxx. <br>|  | Per review of the COC record in file, the Initial CD dated xxxxxxs well as Revised CDs dated xxxxxxnd xxxxxxeed to be provided for complete Comp testing - xxxxxx <br>initial cd and interim cds - xxxxxx<br>| Confirmed loan is not high cost - xxxxxx<br>initial cd and interim cds - xxxxxx<br>|  | xxxxxx 22:09 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304907274 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Credit | Guideline - Federal and/or State High Cost Ineligible per guidelines | Loan is a Federal or State High Cost Loan. This finding may resolve once missing CDs are provided and Comp testing can be properly completed <br>|  |  | Confirmed loan is not high cost - xxxxxx<br>|  | xxxxxx 22:07 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304907200 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | xxxxxx 19:51 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304907200 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | xxxxxx 19:51 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304907200 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Per review of COC records in file, the Initial CD dated xxxxxxs missing from the file <br>|  | Attached Initial CD - xxxxxx <br>please see compliance check - xxxxxx<br>| Received ICD - xxxxxx<br>Attached Initial CD - xxxxxx<br>Disregard below. Finding upheld. The loan file is missing the ICD issued xxxxxx. Please provide this CD. - xxxxxx<br>please see compliance check - xxxxxx<br>|  | xxxxxx 14:59 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304908497 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | xxxxxx 00:13 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304908497 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | xxxxxx 00:14 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304908497 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Missing Initial CD. Need proof initial CD was received by the borrower 3 days before consummation date of xxxxxx. <br>|  | Attached initial CD - xxxxxx <br>please see initial CD - xxxxxx<br>| Received confirmation of electronic delivery - xxxxxx<br> Attached initial CD - xxxxxx<br> The initial CD provided is for a different property. Provide forxxxxxx for the subject. - xxxxxx<br> Disregard below. Finding upheld, CD provided is for a different property. Provide PCCD for xxxxxx - xxxxxx<br> Received ICD - xxxxxx<br> please see initial CD - xxxxxx |  | xxxxxx 17:15 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304908497 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure was provided on (xxxxxx) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (xxxxxx). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (xxxxxx), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (xxxxxx), for consummation to occur on (xxxxxx). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii))  |  | The initilal CD provided was not signed and eletronic delivery was not located in the loan file. - xxxxxx <br>rebuttal pkg - xxxxxx<br>| Received confirmation of electronic delivery - xxxxxx<br>Resolved - xxxxxx<br>rebuttal pkg - xxxxxx<br>|  | xxxxxx 17:15 | Resolved | 1 | 1 | 3 | 1 |
| xxxxxx | 304908494 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | xxxxxx 16:51 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304908494 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The CD provided in the file is dated xxxxxx which is not 3 business days prior to the closing date of xxxxxx. Please provide a Closing Disclosure provided to the Borrower 3 business days prior to xxxxxx. Otherwise, there is no cure for this finding. <br>|  | Please review - xxxxxx<br>| Received ICD - xxxxxx<br>Received ICD - xxxxxx<br>Please review - xxxxxx<br>|  | xxxxxx 18:10 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304908606 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | xxxxxx 20:01 | Cleared | 1 | 1 | 4 | 1 |
| xxxxxx | 304908606 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | xxxxxx 20:01 | Cleared | 1 | 1 | 4 | 1 |
| xxxxxx | 304908606 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The CD provided in the file is dated xxxxxx which is not 3 business days prior to the closing date of xxxxxx. Please provide a Closing Disclosure provided to the Borrower 3 business days prior to xxxxxx. Otherwise, there is no cure for this finding. <br>|  | initial cd and interim cd provided - xxxxxx<br>| Received initial CD issued xxxxxx. Finding resolved - xxxxxx<br>initial cd and interim cd provided - xxxxxx<br>|  | xxxxxx 19:17 | Resolved | 3 | 1 | 4 | 1 |
| xxxxxx | 304908606 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | The disclosed Total of Payments ($xxxxxx) is understated by more than $35 when compared to the actual Total of Payments of ($xxxxxx). The difference is ($xxxxxx). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) ICD missing; should be resolved once provided for Compliance testing <br>|  | initial cd and interim cd provided - xxxxxx<br>| Total of Payments is correct - xxxxxx<br>initial cd and interim cd provided - xxxxxx<br>|  | xxxxxx 17:11 | Resolved | 3 | 1 | 4 | 1 |
| xxxxxx | 304908606 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | Guideline - Federal and/or State High Cost Ineligible per guidelines | Loan is a Federal or State High Cost Loan. ICD missing; should be resolved once provided for Compliance testing <br>|  | initial cd and interim cd provided - xxxxxx<br>| Confirmed loan is not high cost - xxxxxx<br>initial cd and interim cd provided - xxxxxx<br>|  | xxxxxx 17:13 | Resolved | 3 | 1 | 4 | 1 |
| xxxxxx | 304908606 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | TRID: Missing Initial Closing Disclosure | The loan file does not contain the initial Closing Disclosure. Initial Closing Disclosure issued xxxxxxs missing form the file <br>|  | Attached - missing ICD - xxxxxx<br>| Received ICD - xxxxxx<br>Attached - missing ICD - xxxxxx<br>|  | xxxxxx 17:11 | Resolved | 4 | 1 | 4 | 1 |
| xxxxxx | 304911735 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. Hazard Insurance Coverage Amount of $xxxxxx is less than Total Amount of Subject Lien(s) of $xxxxxx <br>|  | Policy is based on RC confirmation from dec page with additional 30% dwelling coverage - xxxxxx<br>| Coverage Amount - Hazard Insurance of $xxxxxx is equal to or greater than Required Coverage Amount of $xxxxxx - xxxxxx<br> Dwelling coverage $xxxxxx + 30% additional dwelling coverage = $xxxxxx total coverage. Condition resolved. - xxxxxx<br> Policy is based on RC confirmation from dec page with additional 30% dwelling coverage - xxxxxx |  | xxxxxx 18:50 | Resolved | 3 | 1 | 4 | 1 |
| xxxxxx | 304911735 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard insurance effective date is after the disbursement date. <br>|  | 24-25 HOI - xxxxxx<br>| xxxxxx-xxxxxx HOI provided. Condition resolved. - xxxxxx<br> Hazard Insurance Effective Date oxxxxxx is prior to or equal to the Disbursement Date oxxxxxx Or the Date(s) Are Not Provided - xxxxxx<br> xxxxxx HOI - xxxxxx |  | xxxxxx 18:50 | Resolved | 3 | 1 | 4 | 1 |
| xxxxxx | 304911735 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | xxxxxx 22:54 | Cleared | 1 | 1 | 4 | 1 |
| xxxxxx | 304911735 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Ran mavent in error without the initial CD. The initial CD provided was not signed, and electronic delivery was not evidenced in the loan file. Please provide disclosure tracking summary for receipt date. <br>|  | Please review - xxxxxx<br>| Received initial CD, using USPS mailing, CD received xxxxxx, which is 3 days prior to consummation of xxxxxx. Finding is resolved. - xxxxxx<br>The initial CD provided was not signed, and electronic delivery was not evidenced in the loan file. Please provide disclosure tracking summary for receipt date. - xxxxxx<br>The initial CD provided was not signed, and electronic delivery was not evidenced in the loan file. Please provide disclosure tracking summary for receipt date. - xxxxxx<br>Please review - xxxxxx<br>. - xxxxxx<br>- xxxxxx<br>|  | xxxxxx 20:05 | Resolved | 1 | 1 | 4 | 1 |
| xxxxxx | 304911735 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | TRID: Missing Initial Closing Disclosure | The loan file does not contain the initial Closing Disclosure. Per review of the COC record in file, the Initial CD dated xxxxxxs missing from the file. Please provide for Comp testing. <br>|  | initial cd - xxxxxx<br>| Received initial CD - xxxxxx<br>initial cd - xxxxxx<br>|  | xxxxxx 14:40 | Resolved | 4 | 1 | 4 | 1 |
| xxxxxx | 304896370 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Compliance | PUD Rider is Missing | PUD Rider is missing. Unable to locate the PUD Rider in the loan file. The PUD rider box is not checked on the mortgage; however, the property is located in a PUD per the appraisal. <br>|  | PUD Rider - xxxxxx<br>| documentation meet requirements - xxxxxx<br>PUD Rider - xxxxxx<br>|  | xxxxxx 19:31 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304896370 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | xxxxxx 11:24 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304896370 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | xxxxxx 11:24 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304908558 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary value subject property appraisal is not on an as-is basis. Subject to the installation of smoke alarms, unable to locate a completion report. <br>|  | inspection - xxxxxx <br>Smoke alarm installation was already in file. Appraisal update would not be required per FNMA guidelines regarding alternative documentation options. - xxxxxx<br>| Completion Cert was provided. Condition resolved. - xxxxxx<br>Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - xxxxxx<br>inspection - xxxxxx<br>Condition upheld. Appraisal is Subject to. Provide Completion Cert. - xxxxxx<br>Smoke alarm installation was already in file. Appraisal update would not be required per FNMA guidelines regarding alternative documentation options. - xxxxxx<br>|  | xxxxxx 18:31 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304908558 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | xxxxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | xxxxxx 18:50 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 305012631 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | xxxxxx 20:03 | Cleared | 1 | 1 | 1 | 1 |
| xxxxxx | 305012631 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | xxxxxx 20:03 | Cleared | 1 | 1 | 1 | 1 |
| xxxxxx | 305012631 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | xxxxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | xxxxxx 22:00 | Cleared | 1 | 1 | 1 | 1 |
| xxxxxx | 304907174 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | Missing Attorney Preference Letter | Right To Choose Attorney or Attorney Preference not in file. Executed xxxxxx Borrower Right to Select Attorney disclosure is missing from the file <br>|  | DISCLOSURE - xxxxxx<br>| Received rebuttal from seller that it is only required on high cost loans. After further review, disclosure is not required. No attorney fees charged. - xxxxxx<br>The document provided is the right to choose the Insurance Company. The document requested is the Right to choose an Attorney. - xxxxxx<br>DISCLOSURE - xxxxxx<br>|  | xxxxxx 15:44 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304907174 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | xxxxxx 14:53 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304907174 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | xxxxxx 22:54 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304907286 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | xxxxxx 21:00 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304907286 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | xxxxxx 22:39 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304907286 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | Eligibility - Borrower Identity | The loan file reflected potential identity issues. B2 loan application reports is a U.S. Citizen when the Customer Identification Form completed shows identification was verified with a U.S. Alien Registration Form. Please provide correct and consistent documentation to support B2 citizenship status. <br>|  | PERM RES ALIEN CARD--B2 - xxxxxx <br> LOE FROM BORROWER AND CORRECTED URLA - xxxxxx <br> It appears that our application was accidentally marked incorrectly when it came to xxxxxx citizenship. <br>Please advise on the documentation you will require to correct B2's citizenship other than a corrected 1003. <br> - xxxxxx | Resident Card provided. - xxxxxx<br> PERM RES ALIEN CARD--B2 - xxxxxx<br> Condition upheld. Provide B2's perm resident card. - xxxxxx<br> LOE FROM BORROWER AND CORRECTED URLA - xxxxxx<br> Condition upheld. Provide an updated 1003, Customer Identification Form, and LOE signed by Borrower. - xxxxxx<br> It appears that our application was accidentally marked incorrectly when it came to xxxxxx citizenship. <br>Please advise on the documentation you will require to correct B2's citizenship other than a corrected 1003. <br> - xxxxxx |  | xxxxxx 16:25 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304911282 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). <br>|  | UPDATED GAP CREDIT REPORT - xxxxxx<br>| Credit sup updated - xxxxxx<br>Borrower 1 Gap Credit Report is not expired. - xxxxxx<br>UPDATED GAP CREDIT REPORT - xxxxxx<br>|  | xxxxxx 20:51 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304911282 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | xxxxxx 19:45 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304911282 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | xxxxxx 19:45 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304896757 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | PUD Rider is Missing | PUD Rider is missing. <br>|  | Signed PUD Rider received. - xxxxxx <br>Executed PUD rider is attached with letter of intent to record. - xxxxxx<br>| Signed PUD Rider received. - xxxxxx<br>Executed PUD rider is attached with letter of intent to record. - xxxxxx<br>|  | xxxxxx 12:30 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304896757 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | xxxxxx 17:10 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304896757 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | Credit Documentation - Lien Documentation | The loan file did not contain sufficient documentation to verify the (senior/subordinate) lien as required. missing Senior Lien Origination note/documentation<br>|  | 1ST LIEN NOTE - xxxxxx<br>| 1st lien note provided. Condition resolved. - xxxxxx<br>1ST LIEN NOTE - xxxxxx<br>|  | xxxxxx 07:02 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304887761 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | xxxxxx 21:54 | Cleared | 1 | 1 | 1 | 1 |
| xxxxxx | 304887761 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | xxxxxx 21:54 | Cleared | 1 | 1 | 1 | 1 |
| xxxxxx | 304887761 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | xxxxxx 19:46 | Cleared | 1 | 1 | 1 | 1 |
| xxxxxx | 304904521 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | xxxxxx 19:57 | Cleared | 1 | 1 | 1 | 1 |
| xxxxxx | 304904521 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | xxxxxx 19:57 | Cleared | 1 | 1 | 1 | 1 |
| xxxxxx | 304904521 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | xxxxxx 19:58 | Cleared | 1 | 1 | 1 | 1 |
| xxxxxx | 304868070 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | xxxxxx 00:01 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304868070 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | Credit Documentation - Payment History Missing | The loan file did not contain sufficient documentation to verify the payment history as required. Missing documentation for first mortgage p & i payment and interest rate. <br>|  | 1st lien history attached. - xxxxxx<br>| 1st lien payment history provided. Condition resolved. - xxxxxx<br>1st lien history attached. - xxxxxx<br>|  | xxxxxx 20:51 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304868070 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | Bwr1 Income - Paystubs Less than 2 months | The loan file did not contain 2 months of the borrower's paystubs as required. Missing documentation of current receipt of Retirement income. <br>|  | 1099-R retirement Income - xxxxxx<br>| xxxxxx 1099-R provided. Condition resolved. - xxxxxx<br> 1099-R retirement Income - xxxxxx |  | xxxxxx 21:00 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304868070 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | xxxxxx 01:09 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304868070 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Missing senior lien Note and Security Instrument with all riders and addendum per guidelines. <br>|  | First lien docs attached. - xxxxxx<br>| Senior lien Note and Security Instrument provided. Condition resolved. - xxxxxx<br>First lien docs attached. - xxxxxx<br>|  | xxxxxx 20:54 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304874910 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | xxxxxx 02:10 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304874910 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | xxxxxx 02:10 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304874910 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | xxxxxx | Compliance | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | The loan disbursement date (xxxxxx) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (xxxxxx). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) ROR in file is signed by the borrower on xxxxxx with a expiration date of xxxxxx. Per Final CD dated xxxxxx, the Disbursement Date is xxxxxx. Disbursement date is before the end of the statutory recission period. <br>|  | PCCD - xxxxxx <br>LETTER TO BORROWER REOPENING RESCISSION AND NOTICE OF RIGHT TO CANCEL - xxxxxx<br>| Received PCCD correcting the disbursement date - xxxxxx<br>Resolved - xxxxxx<br>PCCD - xxxxxx<br>Received newly executed RTC which rescission has expired. Please provide a PCCD disclosing all final fees and the actual disbursement date. - xxxxxx<br>LETTER TO BORROWER REOPENING RESCISSION AND NOTICE OF RIGHT TO CANCEL - xxxxxx<br>|  | xxxxxx 16:07 | Resolved | 3 | 1 | 3 | 1 |

---

## Exhibit 99.24

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.24**

Client Maxwell Diligence Solutions LLC <br> Transaction AmeriSave Mortgage <br> Date 06/11/2026

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| xxxxxx | 304933519 |  | xxxxxx | xxxxxx | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |
| xxxxxx | 304865107 |  | xxxxxx | xxxxxx | 4 | 1 | 3 | 1 | 4 | 1 | 3 | 1 D A C |
| xxxxxx | 304867851 |  | xxxxxx | xxxxxx | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |
| xxxxxx | 304873070 |  | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 3 | 1 | 3 | 1 C A |
| xxxxxx | 304973620 |  | xxxxxx | xxxxxx | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 304878877 |  | xxxxxx | xxxxxx | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |
| xxxxxx | 304893842 |  | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 304894291 |  | xxxxxx | xxxxxx | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 D A C |
| xxxxxx | 304892344 |  | xxxxxx | xxxxxx | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 304898858 |  | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 304907274 |  | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 304907200 |  | xxxxxx | xxxxxx | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 304908497 |  | xxxxxx | xxxxxx | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 304908494 |  | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 304908606 |  | xxxxxx | xxxxxx | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 D A C |
| xxxxxx | 304911735 |  | xxxxxx | xxxxxx | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 D A C |
| xxxxxx | 304896370 |  | xxxxxx | xxxxxx | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 304908558 |  | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| xxxxxx | 305012631 |  | xxxxxx | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 304907174 |  | xxxxxx | xxxxxx | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 304907286 |  | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xxxxxx | 304911282 |  | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xxxxxx | 304896757 |  | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 304887761 |  | xxxxxx | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 304904521 |  | xxxxxx | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 304868070 |  | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xxxxxx | 304874910 |  | xxxxxx | xxxxxx | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |

---

## Exhibit 99.25

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.25**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxxxxx | xxxxxx | 304933519 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304865107 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304867851 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx |
| xxxxxx | xxxxxx | 304873070 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304973620 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx |
| xxxxxx | xxxxxx | 304878877 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304893842 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304894291 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304892344 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304898858 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx |
| xxxxxx | xxxxxx | 304907274 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx |
| xxxxxx | xxxxxx | 304907200 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 83.0 | 0.17 | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304908497 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 85.0 | 0.15 | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304908494 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 83.0 | 0.17 | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304908606 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304911735 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.0 | 0.13 | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304896370 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx Eligible | xxxxxx | xxxxxx |
| xxxxxx | xxxxxx | 304908558 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx Eligible | xxxxxx | xxxxxx |
| xxxxxx | xxxxxx | 305012631 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304907174 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.0 | 0.13 | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304907286 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304911282 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx |
| xxxxxx | xxxxxx | 304896757 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304887761 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | 86.0 | 0.08 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304904521 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | 93.0 | 0.07 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304868070 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304874910 | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.26

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.26**

![](ex9926001.jpg)

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

**Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by JPMorgan Chase Bank, National Association (the "Client"). The review was conducted between June 06 2025 and April 20 2026 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 231 Non-QM loans and 28 ATR-QM exempt loans for a total of 259 loans the "Final Securitization Population".

*<u>Credit Reviews (259):</u>*

During the Review, Selene performed a credit review on 259 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (259)</u>*

During the Review, Selene performed a compliance review on 259 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (259):</u>*

During the Review, Selene performed a property valuation review on 259 mortgage loans in the Final Securitization

Population.

*<u>Data Integrity Review (259):</u>*

During the Review, Selene performed a Data Integrity Review on 259 mortgage loans in the Final Securitization

Population.

*JPMMT 2026-CES3 Executive Summary (Selene Diligence)*

![](ex9926001.jpg)

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 259 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;259 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;259 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;259 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;259 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings, Kroll Bond Rating Agency, LLC, DBRS, Inc, Fitch Ratings, Inc, and Moody's Investors Service, Inc. (collectively the NRSRO(s))

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Deephaven Wholesale Underwriting Guidelines, Deephaven Correspondent Underwriting Guidelines, Cake Mortgage Corp. Non- QM Loan Eligibility Guidelines, ACC Mortgage Underwriting Guidelines Loanstream Mortgage Underwriting Guidelines, American Financing Underwriting Guidelines and Federal Savings Bank Underwriting Guidelines, American Financing Corporation Underwriting Guidelines (collectively the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene provided a

Page **2** of **15**

*JPMMT 2026-CES3 Executive Summary (Selene Diligence)*

![](ex9926001.jpg)

comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

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

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

 **CREDIT REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed whether the characteristics
of the mortgage loans and the borrowers conformed to the Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed asset statements to determine
whether funds to close and reserves were within the Guidelines; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

 **COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument, with respect to the ATR-QM Exempt Loans. With respect to the Non-QM loans, Selene tested whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act. Please see Appendix B for additional information.

 **PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

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

Page **3** of **15**

*JPMMT 2026-CES3 Executive Summary (Selene Diligence)*

![](ex9926001.jpg)

 **DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan Reviewer collects validated loan data;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 259 mortgage loans, (ii) a Compliance Review on 259 mortgage loans (iii) a Valuation Review on 259 mortgage loans, and (iv) a Data Integrity Review on 259 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 259 mortgage loans; 215 mortgage loans had a rating grade of A, 44 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;***Grades per loan (259 overall loans):*** | &nbsp;&nbsp;***Grades per loan (259 overall loans):*** | &nbsp;&nbsp;***Grades per loan (259 overall loans):*** | &nbsp;&nbsp;***Grades per loan (259 overall loans):*** | &nbsp;&nbsp;***Grades per loan (259 overall loans):*** | &nbsp;&nbsp;***Grades per loan (259 overall loans):*** | &nbsp;&nbsp;***Grades per loan (259 overall loans):*** | &nbsp;&nbsp;***Grades per loan (259 overall loans):*** | &nbsp;&nbsp;***Grades per loan (259 overall loans):*** | &nbsp;&nbsp;***Grades per loan (259 overall loans):*** | &nbsp;&nbsp;***Grades per loan (259 overall loans):*** | &nbsp;&nbsp;***Grades per loan (259 overall loans):*** | &nbsp;&nbsp;***Grades per loan (259 overall loans):*** |  |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | <br>&nbsp;&nbsp;**Moody's** | <br>&nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;75 | &nbsp;&nbsp;28.96% | &nbsp;&nbsp;78 | &nbsp;&nbsp;30.12% | &nbsp;&nbsp;79 | &nbsp;&nbsp;79 | &nbsp;&nbsp;79 | &nbsp;&nbsp;30.50% | &nbsp;&nbsp;A | &nbsp;&nbsp;215 | &nbsp;&nbsp;215 | &nbsp;&nbsp;215 | &nbsp;&nbsp;215 | &nbsp;&nbsp;215 | &nbsp;&nbsp;83.01% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.32% | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.32% | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.32% | &nbsp;&nbsp;B | &nbsp;&nbsp;44 | &nbsp;&nbsp;44 | &nbsp;&nbsp;44 | &nbsp;&nbsp;44 | &nbsp;&nbsp;44 | &nbsp;&nbsp;16.99% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;59 | &nbsp;&nbsp;22.78% | &nbsp;&nbsp;56 | &nbsp;&nbsp;21.62% | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;21.24% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;119 | &nbsp;&nbsp;45.95% | &nbsp;&nbsp;119 | &nbsp;&nbsp;45.95% | &nbsp;&nbsp;119 | &nbsp;&nbsp;119 | &nbsp;&nbsp;119 | &nbsp;&nbsp;45.95% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **15**

*JPMMT 2026-CES3 Executive Summary (Selene Diligence)*

![](ex9926001.jpg)

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |  |  |
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** |  | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |  | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;239 | &nbsp;&nbsp;239 | &nbsp;&nbsp;239 | &nbsp;&nbsp;239 | &nbsp;&nbsp;239 | &nbsp;&nbsp;92.28% |  | &nbsp;&nbsp;A | &nbsp;&nbsp;234 | &nbsp;&nbsp;234 | &nbsp;&nbsp;234 | &nbsp;&nbsp;234 | &nbsp;&nbsp;234 | &nbsp;&nbsp;90.35% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;7.72% |  | &nbsp;&nbsp;B | &nbsp;&nbsp;25 | &nbsp;&nbsp;25 | &nbsp;&nbsp;25 | &nbsp;&nbsp;25 | &nbsp;&nbsp;25 | &nbsp;&nbsp;9.65% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;143 | &nbsp;&nbsp;143 | &nbsp;&nbsp;143 | &nbsp;&nbsp;143 | &nbsp;&nbsp;55.21% | &nbsp;&nbsp;257 | &nbsp;&nbsp;99.23% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.39% | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.77% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;N/A\* | &nbsp;&nbsp;115 | &nbsp;&nbsp;115 | &nbsp;&nbsp;115 | &nbsp;&nbsp;115 | &nbsp;&nbsp;44.40% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |

---

\*No secondary valuation provided; related property grading not applicable

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of

Page **5** of **15**

*JPMMT 2026-CES3 Executive Summary (Selene Diligence)*

![](ex9926001.jpg)

limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given

rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are

designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **15**

*JPMMT 2026-CES3 Executive Summary (Selene Diligence)*

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income
calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

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*JPMMT 2026-CES3 Executive Summary (Selene Diligence)*

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets
was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is
a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file
meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the
DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Superior Lien Review**

As applicable, Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Captured superior lien outstanding loan amount and current payment amounts to validate CLTV and PITIA for DSCR calculations;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed the original senior lien note to ensure eligible senior lien loan type adhere to the Guidelines; and

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed the current mortgage statements for existing senior lien payments.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud

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*JPMMT 2026-CES3 Executive Summary (Selene Diligence)*

report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers and confirm that the variations
have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers' address history and confirm
that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan
file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers' profiles and confirm
the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination
process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate,
and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan
file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been
recorded or have been sent for recording.

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*JPMMT 2026-CES3 Executive Summary (Selene Diligence)*

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19):</u> 

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7):</u> 

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8):</u> 

i) confirm current applicable HUD form was provided;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

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

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

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*JPMMT 2026-CES3 Executive Summary (Selene Diligence)*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction;

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

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

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

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

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

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

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*JPMMT 2026-CES3 Executive Summary (Selene Diligence)*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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<u>General Ability to Repay</u>

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

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

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

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

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

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

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

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

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

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*JPMMT 2026-CES3 Executive Summary (Selene Diligence)*

**APPENDIX C– VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

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

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

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

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

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## Exhibit 99.27

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.27**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 304717672 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304717672 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304730958 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304769930 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304769930 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304769912 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304769912 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304769912 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304702528 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304702528 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304827294 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304875956 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038963 | XXXX | Property City | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038963 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065242 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892675 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892675 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892675 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304826685 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892735 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038955 | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892772 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892786 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892683 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892683 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892683 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892721 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892721 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304911383 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038944 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038925 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038913 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892890 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038866 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038866 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038866 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038866 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892818 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892818 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892818 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892818 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038905 | XXXX | Borrower 2 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038905 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038905 | XXXX | First Payment Date | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038905 | XXXX | Maturity Date | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038905 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304904384 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304904384 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304904384 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304904384 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038874 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038907 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038907 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038907 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038907 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038907 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038943 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038884 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038884 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304875968 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892830 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304892830 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038869 | XXXX | Property Zip Code | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038869 | XXXX | Loan Amount | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038869 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038869 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038870 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038870 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038918 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038918 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038918 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038918 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305029284 | XXXX | Borrower 2 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305029284 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038903 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038903 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038911 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038911 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038941 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038893 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038865 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038865 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038865 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038865 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038865 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038860 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038860 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038860 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038860 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038860 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038895 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038895 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038895 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038895 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038895 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038975 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038975 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038957 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038957 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038939 | XXXX | Loan Purpose | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038940 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038940 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038959 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038959 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305029285 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305029285 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080448 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080448 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038871 | XXXX | Borrower 2 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038871 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038871 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038871 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038871 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038871 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038871 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038867 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038867 | XXXX | Lien Position | TitlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038867 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038867 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065227 | XXXX | Loan Purpose | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065227 | XXXX | Borrower 1 FTHB | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065229 | XXXX | Loan Purpose | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065228 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065236 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065231 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305062360 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305062360 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065128 | XXXX | Property Zip Code | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065128 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065128 | XXXX | Maturity Date | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065128 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038896 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038896 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065117 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065120 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065120 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065120 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065120 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038909 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038930 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038930 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305057787 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305057787 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305057787 | XXXX | Lien Position | TitlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305057787 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065109 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305039378 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305039378 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305039378 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305039378 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065123 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305047457 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305047457 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305036235 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065214 | XXXX | Borrower 1 Citizen | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065216 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065134 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038931 | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038931 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038931 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065111 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065111 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065111 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065111 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065111 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065097 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065097 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305057903 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065079 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065131 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065131 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065131 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305057780 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065105 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065105 | XXXX | Borrower 2 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065105 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065105 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065105 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065105 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065222 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065225 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065225 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065220 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065088 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065088 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065088 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065088 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065101 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065101 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065101 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065101 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305061501 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065102 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065102 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065196 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305057806 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305057792 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065108 | XXXX | Loan Amount | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065108 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065108 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065077 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065077 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065077 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065077 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065077 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065218 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065197 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065197 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065197 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065197 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065129 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065159 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065082 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065082 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065082 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065183 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065182 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065181 | XXXX | Loan Purpose | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065181 | XXXX | Borrower 1 FTHB | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065170 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065170 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065172 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065172 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065169 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065168 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065179 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065161 | XXXX | Borrower 1 FTHB | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065161 | XXXX | Loan Purpose | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065164 | XXXX | Borrower 1 FTHB | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065164 | XXXX | Loan Purpose | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065158 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065094 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065094 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065094 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065094 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065094 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038877 | XXXX | Loan Amount | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038877 | XXXX | Property Zip Code | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038877 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065023 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065023 | XXXX | Borrower 2 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065023 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065023 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065063 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065063 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065146 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065146 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065152 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065152 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065152 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065152 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065132 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065132 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065132 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065070 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065070 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065238 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065238 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065238 | XXXX | Final Qualifying Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065149 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065149 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065145 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065107 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065114 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065121 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065121 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065150 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065150 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065150 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065072 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065072 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065072 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065072 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065187 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065068 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065068 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065068 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065068 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065068 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305057786 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305057786 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065201 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065209 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065209 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065144 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065144 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065144 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065060 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065060 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065060 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065060 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065060 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065189 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065073 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065073 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065140 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305069036 | XXXX | Borrower 2 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305069036 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305069036 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305069036 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065110 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065110 | XXXX | Borrower 2 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065110 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065110 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065053 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065053 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065053 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065053 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305076959 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305076959 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065066 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065066 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065066 | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065066 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065066 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065118 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065118 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065118 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065188 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065188 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065065 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065065 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065065 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065065 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080441 | XXXX | Borrower 2 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080441 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080441 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080441 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080441 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080525 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080525 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080525 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065138 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305057901 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080437 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080437 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038932 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038932 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038932 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038932 | XXXX | Final Qualifying Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065106 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065106 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065106 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065106 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065106 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305061716 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305061716 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065221 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065221 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080510 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080471 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065184 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080505 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065058 | XXXX | Property City | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065058 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065058 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065058 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065136 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080467 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080468 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080463 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080463 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080460 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080404 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080404 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080404 | XXXX | Borrower 2 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080404 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080404 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080404 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305085834 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305085834 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065037 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305065037 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080439 | XXXX | Borrower 2 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080497 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080497 | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305080390 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305078943 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305078943 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305078943 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305078943 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.28

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.28**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX | XXXX | 304717672 | Closed | 2025-06-10 00:09 | 2025-06-24 13:18 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-Lender provided Post CD with corrected Title fees (Title - Title Search) moved to section C. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. see attached PCCD - Seller-XX/XX/XXXX _xXXXX_<br> Open-Title fees (Title - Title Search) is paid to a provider that's not on providers list but the fee is still in section B, move the Fee (Title - Title Search) to section C.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached PCCD - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXX XXXXXXXX XXXX XX XXXX XXXXXXXXX XXXXX XXXX (XXXXX - XXXXX XXXXXX) XXXXX XX XXXXXXX X. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X-XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 4391111 | N/A | N/A |
| XXXX | XXXX | XXXX | 304717672 | Closed | 2025-06-09 23:26 | 2025-06-20 06:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Lender provided Fraud Report. Changes made in system. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. attached. - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXX. XXXXXXX XXXX XX XXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X-XXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 4391006 | N/A | N/A |
| XXXX | XXXX | XXXX | 304717672 | Closed | 2025-06-09 22:42 | 2025-06-20 06:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender provided Income Worksheet. Changes made in system. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. see attached. - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXX XXXXXXXX XXXXXX XXXXXXXXX. XXXXXXX XXXX XX XXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X-XXXXXX XXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 4390909 | N/A | N/A |
| XXXX | XXXX | XXXX | 304717672 | Closed | 2025-06-13 11:23 | 2025-06-17 10:55 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Unable to Resolve-Unable to Resolve-XX approves exception. Borrower has an individual policy that provides full coverage of the property. - Buyer-XX/XX/XXXX _xXXXX_<br> Open-The subject property is a PUD. Provide HOA/PUD master insurance policy as required per XX.X.X. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XXXX<br> XXXXXXXX XXX XX XXXXXXXXXX XXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX XXX XXXXXXXX. | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 4442968 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 304769912 | Closed | 2025-08-05 04:07 | 2025-08-29 13:17 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-PCCD, LOX, evidence of refund and POD provided, Mavent is passing resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Pls see the attached POST CD and refund check - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-The disclosed finance charge ($XXX,XXX.XX) is ($XX.XX) below the actual finance charge ($XXX,XXX.XX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XX below the actual finance charge. (XX XXX Sec. XXXX(i)(X); OSC XX(c)(X)(ii)-X) Fired due to recording service fee iao $XX excluded from testing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX, XXX, XXXXXXXX XX XXXXXX XXX XXX XXXXXXXX, XXXXXX XX XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 5054146 | N/A | N/A |
| XXXX | XXXX | XXXX | 304769912 | Closed | 2025-08-05 02:58 | 2025-08-20 16:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Escalated-XX approves exception. Com Factors:<br> Credit Score is XXX. Minimum required per guidelines is XXX.<br> LTV is XX%. Maximum allowed per guidelines is XX%.<br> $XXXX residual income - Seller-XX/XX/XXXX _xXXXX_<br> Escalated-Escalating for XX visibility - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Audited DTI Exceeds Guideline DTI Audited DTI XX.XX % Exceeds Guideline DTI XX%. Missing exception for loan approved against lender guidelines. - Due Diligence Vendor-XX/XX/XXXX | Escalated-XX approves exception. Com Factors:<br> Credit Score is XXX. Minimum required per guidelines is XXX.<br> LTV is XX%. Maximum allowed per guidelines is XX%.<br> $XXXX residual income - Seller-XX/XX/XXXX_xXXXX_ | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX.<br> XXX XX XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%. | XXXX | Primary Residence | Refinance | Cash Out - Other | 5053874 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 304769846 | Closed | 2025-08-15 01:38 | 2025-08-27 03:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested Gap Credit Report that is within the XX Business days from closing Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please note monitoring end date show X/XX - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXXX XXX XXXXXX XXXXXX XXXX XX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XX XXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 5188511 | N/A | N/A |
| XXXX | XXXX | XXXX | 304702528 | Closed | 2025-08-20 04:36 | 2025-08-25 08:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable XXXX for this loan is (X.XX%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXX.XX(a)(iii)) XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XX and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure, XXXX disclosure page no #XXXX. The loan meets XXXX guidelines." - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX XXX XXX XXXX XX XXX XXXXXXXXXX, XXXX XXXXXXXXXX XXXX XX #XXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX." - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 5244505 | N/A | N/A |
| XXXX | XXXX | XXXX | 304702528 | Closed | 2025-08-20 04:36 | 2025-08-25 08:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XX and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure, XXXX disclosure page no #XXXX. The loan meets XXXX guidelines." - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX XXX XXX XXXX XX XXX XXXXXXXXXX, XXXX XXXXXXXXXX XXXX XX #XXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX." - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 5244506 | N/A | N/A |
| XXXX | XXXX | XXXX | 304827294 | Closed | 2025-09-11 13:51 | 2025-09-16 16:04 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Documentation provided that meets the requirements on the closing instructions: CD provided for XXXX XXXXXXXXXX XXXXXX – XX $XXXk (XXXXXXX_X.XXX), Note (XXXXXXX_X.XXX), FPL (XXXXXXX_X.XXX); CD provided for XXXXX XXXXXXXXX XXXXXX – XX $XXX,XXX (XXXXXXX_X.XXX), Note (XXXXXXX_X.XXX), FPL (XXXXXXX_X.XXX); and Final Borrower Statement provided for XXXX XXXXXX XXXXXX XXXX, XXXX XXXXXXX, XX (XXXXXXX_X.XXX) and SBA (XXXXXXX_X.XXX). Resolved. <br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Final CS for SBA loan, note, CD, payment letter for XXXXXXXX and XXXXXXXX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-The Closing Instructions called for X) Copy of Final Settlement Statement, Note, CD and First Payment Letter for: - BFF#XXXXXXXXX with $XXX,XXX, $X,XXX.XX/ mo - BFF#XXXXXXXX with $XXX,XXX, $X,XXX.XX/ mo. P XXX; and X) New Commerical/SBA Loan: - Copy of Note - Final Settlement Statement for XXXX XXXXXX XXXXXX XXXX, p XXX. Unable to locate in file. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXXXXXXX XXXXXXXX XXXX XXXXX XXX XXXXXXXXXXXX XX XXX XXXXXXX XXXXXXXXXXXX: XX XXXXXXXX XXX XXXX XXXXXXXXX XXXXX – XX $XXXX (XXXXXXX_X.XXX), XXXX (XXXXXXX_X.XXX), XXX (XXXXXXX_X.XXX); XX XXXXXXXX XXX XXXXX XXXXXXXX XXXXX – XX $XXX,XXX (XXXXXXX_X.XXX), XXXX (XXXXXXX_X.XXX), XXX (XXXXXXX_X.XXX); XXX XXXXX XXXXXXXX XXXXXXXXX XXXXXXXX XXX XXXX XXXXXX XXXXXX XXXX, XXXX XXXXXXX, XX (XXXXXXX_X.XXX) XXX XXX (XXXXXXX_X.XXX). XXXXXXXX. <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Second Home | Refinance | Cash Out - Other | 5506910 | N/A | N/A |
| XXXX | XXXX | XXXX | 304827294 | Closed | 2025-09-07 08:57 | 2025-09-15 04:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested updated XXXX provided with updated income hence condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-revised XXXX with correct income - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Income provided on Final XXXX does not matches with Income on XXXX and Income Worksheet. The verified income and income reflected on the XXXX is $XXX,XXX but the income reflected on the Final XXXX is $XX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXXXXXX XXXX XXXXXXX XXXXXX XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Second Home | Refinance | Cash Out - Other | 5442583 | N/A | N/A |
| XXXX | XXXX | XXXX | 304827294 | Closed | 2025-09-07 11:44 | 2025-09-15 00:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Requested BBS for March Month Provided, Updated & Condition Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Bank statement - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing The First Bank Account #XXXX is missing for March XXXX. It is needed for the income verification (income calculator on p XXX). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXX XXXXX XXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Second Home | Refinance | Cash Out - Other | 5442950 | N/A | N/A |
| XXXX | XXXX | XXXX | 304875956 | Closed | 2025-11-23 23:04 | 2026-01-21 11:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI is below XXXXXXXXX requirement of XX% after including payoff of XXXX revolving account. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-MTrade - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Uploaded. attached SS showing XXXX was paid off - Buyer-XX/XX/XXXX <br>Open-Document Uploaded. attached SS showing XXXX was paid off - Buyer-XX/XX/XXXX <br>Open-Our DTI guides allow over XX%, we should be fine here - Buyer-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of XX% The audited DTI is XX.XX%. This after taking into account items that were paid at closing. There was a payoff schedule in the file (pg. XXX) which mentions one revolving XXXX account being paid off, however this was not the case per the PCCD provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXX XX XXXXX XXXXXXXXX XXXXXXXXXXX XX XX% XXXXX XXXXXXXXX XXXXXX XX XXXX XXXXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX_XXXXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 6357527 | N/A | N/A |
| XXXX | XXXX | XXXX | 304875956 | Closed | 2025-11-23 23:26 | 2025-11-23 23:42 | Resolved | 1 - Information A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 6357601 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038963 | Closed | 2025-11-19 13:05 | 2026-01-02 13:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-The corrected page of the note has been sent to the custodian, pls clear - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-The Note is Incomplete The City name spelling is incorrect on the Note. It reflects 'XXXXXX' rather than 'XXXXXX'. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | _XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6310568 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038963 | Closed | 2025-11-19 13:22 | 2025-12-30 12:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Corrective Affidavit RE: Scrivener's Error Certificate of Record correcting the City name spelling to XXXXXX was provided in Findings: XXXXXXX_X.XXX. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Pls see the attached corrective affidavit - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-The City name spelling is incorrect on the Mortgage. It reflects 'XXXXXX' rather than 'XXXXXX'. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXXX XX: XXXXXXXXX'X XXXXX XXXXXXXXXXX XX XXXXXX XXXXXXXXXX XXX XXXX XXXX XXXXXXXX XX XXXXXXXXX XXX XXXXXXXX XX XXXXXXXX: XXXXXXX_X.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6310918 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038963 | Closed | 2025-11-15 11:07 | 2025-11-19 13:21 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. The Final Closing disclosure on Pg#'s XX shows no escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XX. The appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan does meets HPML guidelines. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX-XX. XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6263890 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065242 | Closed | 2025-11-15 10:22 | 2025-12-02 02:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-First Lien Note provided.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-SR LIEN NOTE - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-XSt lien Note Document is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXX XXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6263808 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065242 | Closed | 2025-11-15 10:09 | 2025-12-01 16:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-AFC INTERNAL EXCEPTION APPROVA; - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-XX approves exception. Comp Factors: XXX FICO, XxXX mtg history over XXX mos - Seller-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of XX% The Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXX XXXX<br> XXXX XXX XXXXXXX XXXX XXX XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6263784 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065242 | Closed | 2025-11-15 10:13 | 2025-12-01 16:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-MATRIX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-XX approves exception. Comp Factors: XXX FICO, XxXX mtg history over XXX mos - Buyer-XX/XX/XXXX <br>Open-Audited CLTV Exceeds XXXXXXXXX CLTV The audited CLTV and HCLTV of XX% Which is exceed the XXXXXXXXX CLTV and HCLTV of XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXX XXXX<br> XXXX XXX XXXXXXX XXXX XXX XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6263790 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065242 | Closed | 2025-11-15 09:26 | 2025-12-01 16:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-AFC INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-XX/XX/XXXX <br>Open-DH approves exception. Comp Factors: XXX FICO, XxXX mtg history over XXX mos - Buyer-XX/XX/XXXX <br>Open-Audited Loan Amount is less than Guideline Minimum Loan Amount The audited loan amount of $XX,XXX is Less than the guideline minimum loan amount of $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXX XXXX<br> XXXX XXX XXXXXXX XXXX XXX XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6263733 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065242 | Closed | 2025-11-15 08:43 | 2025-11-27 02:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report not required per GL's. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-PLS WAIVE. AFC NO LONGER REQUIRES - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Gap Credit report is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXXX XXX XXXXXXXX XXX XX'X. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6263659 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065242 | Closed | 2025-11-15 09:59 | 2025-11-19 15:49 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. The Loan is a closed end second lien and is not required to escrow. The Final Closing disclosure on Pg#'s XX and reflects that there are no escrows. Rate lock date was entered correctly – see Pg#'s XXX and XX. An interior and exterior appraisal was completed for this property – see pg XX-XX. The appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXX XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXX XXXXXXXX XXXX XXXXX XXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XXX XX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX. XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6263773 | N/A | N/A |
| XXXX | XXXX | XXXX | 304826685 | Closed | 2025-11-21 20:32 | 2026-01-26 11:29 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XXXX PCCD correcting disbursement date of XX/XX/XX - Buyer-XX/XX/XXXX <br>Counter-The borrower signed on the XX/XX/XX so it cannot fund until the XXrd. The XXnd was the last day to rescinded based off a XX/XX/XX signature date. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX loan, docs dated XX/XX, borrower signed XX/XX funds disbursed XX/XX see page two of final CD. RTC correct as funds disbursed XX/XX - Buyer-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXXXX XX.XXX_XXXXX_<br> XXXXXXXXXX_XXXX XXX.XXX_XXXXX_<br> XXXXXXXXXXXXXX_XXXXX - XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6352271 | N/A | N/A |
| XXXX | XXXX | XXXX | 304826685 | Closed | 2025-11-21 20:32 | 2026-01-26 11:29 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the XX AB XXX higher-priced mortgage loan test. (XX AB XXX, Xxxxxxxxxx Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Xxxxxxxxxx Financial Code.While the Xxxxxxxxxx Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6352272 | N/A | N/A |
| XXXX | XXXX | XXXX | 304826685 | Closed | 2025-11-21 20:32 | 2026-01-26 11:29 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6352277 | N/A | N/A |
| XXXX | XXXX | XXXX | 304892735 | Closed | 2025-11-24 00:46 | 2026-01-27 15:05 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved-Lender provided Initial CD and proof of delivery. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided Initial CD and proof of delivery. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX.XX ICD and proof of delivery uploaded - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. Both CD' s in file dated XX/XX/XX and signed XX/XX/XX but different timings. Page#XXX, XXX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XX.XX ICD and proof of delivery uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XX XXX XXXXX XX XXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XX XXX XXXXX XX XXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX_XXXXXXXX - XXX.XXX_XXXXX_<br> XXXXXXXXXXXXXX_XXXXXXXX - XXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6357902 | N/A | N/A |
| XXXX | XXXX | XXXX | 304892735 | Closed | 2025-11-24 00:46 | 2026-01-27 14:44 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided Initial CD and proof of delivery. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX.XX ICD and proof of delivery uploaded - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXX.XX(f)(X)(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 §XXXX.XX(f)(X)(i) no later than three business days before consummation. Both CD' s in file dated XX/XX/XX and signed XX/XX/XX but different timings. Page#XXX, XXX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XX XXX XXXXX XX XXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX_XXXXXXXX - XXX.XXX_XXXXX_<br> XXXXXXXXXXXXXX_XXXXXXXX - XXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6357901 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038955 | Closed | 2025-11-20 07:42 | 2025-11-24 07:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Resolved. Lender provided tax and insurance verification for XXX XXXX XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX <br>Open-The mortgage statement for XXX XXXX XX is not escrowed. Missing copies of the hazard insurance and tax payment. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXXXXX XXXXXXXX XXX XXX XXXXXXXXX XXXXXXXXXXXX XXX XXX XXXX XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XX X XXX X XXX XXX XXXX XX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6320005 | N/A | N/A |
| XXXX | XXXX | XXXX | 304892772 | Closed | 2025-11-22 01:51 | 2026-01-20 17:14 | Acknowledged | 2 - Non-Material C B | Compliance | State Reg | PA Lender Prohibited Fees Test | Acknowledged-The fee is valid, even though the lender provided a credit for the prohibited fees. However, since there is no assignee liability, the loan was downgraded to an EVX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Counter-The Administration Fee of $XXXX is causing the fail. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please explain what you are asking for. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the lender prohibited fees test. (X Pa.C.S. §XXXX(a))The loan charges a fee not provided for in the act. A lender is prohibited from charging fees, except those provided for in this act. This loan failed the lender prohibited fees test. (State specific finding). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Please explain what you are asking for. - Seller-XX/XX/XXXX<br>| XXXXXXXXXXXX-XXX XXX XX XXXXX, XXXX XXXXXX XXX XXXXXX XXXXXXXX X XXXXXX XXX XXX XXXXXXXXXX XXXX. XXXXXXX, XXXXX XXXXX XX XX XXXXXXXX XXXXXXXXX, XXX XXXX XXX XXXXXXXXXX XX XX XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6353403 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 304892772 | Closed | 2025-11-26 07:30 | 2025-12-05 07:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated XXXX provided with corrections to the Subordinate Lien P&I payment amount, the HTI and DTI. Lender Income Calculation Sheet is correct. Resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Updated XXXX uploaded - Seller-XX/XX/XXXX _xXXXX_<br> Open-Requesting clarification regarding the income calculation utilized to arrive at the Tape Data HTI of XX.XX. Income verified of $X,XXX.XX matches the income reflected on the XXXX, XXXX, and income calculation worksheet. The XXXX reflects the HTI of XX.XXX while our calculated HTI reflects XX.XX%. The only variance in the total payment is $XX.XX which is due to the XXXX reflecting the Subordinate Lien P&I of $X,XXX.XX while the actual Note reflects the P&I of $X,XXX.XX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX uploaded - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXX XX XXX XXXXXXXXXXX XXXX X&X XXXXXXX XXXXXX, XXX XXX XXX XXX. XXXXXX XXXXXX XXXXXXXXXXX XXXXX XX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6398784 | N/A | N/A |
| XXXX | XXXX | XXXX | 304892786 | Closed | 2025-11-26 00:11 | 2026-03-16 12:31 | Waived | 2 - Non-Material C B | Compliance | Interest:Accrual | Indiana - Periodic/360 (30/360) Accrual Method Prohibited (UCCC) | Waived-Downgraded to EVX. Client provided outside counsel opinion supporting XX/XXX and the XX/XXX is in the borrower's best interest on the note. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Please adjust the accrual method. Effective July X, XXXX, XXXXXXXX XXX prohibits the XX/XXX interest accrual method for Junior Lien Loans. (XXXXXXXX Code XX-X.X-X-XXX(X)(X)(XX); XX-X.X-X-XXX(X)(X)(XX); XX XXX XXXXXXXX XXXXXX XXXX-XX) Confirmed this is State based finding. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXX-XXXXXXXXXX XX XXX. XXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXXX XX/XXX XXX XXX XX/XXX XX XX XXX XXXXXXXX'X XXXX XXXXXXXX XX XXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6395375 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 304892786 | Closed | 2025-11-26 00:11 | 2026-01-20 12:02 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: Fees | Resolved-Updated discount points to read as bona fide as confirmed via XXXXXX. Finding resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. XXXXXX shows we passed high cost. It appears you are including points which don't count as they are bona fide. Please see the uploaded XXXXXX information regarding our points. Passed XXXXXX for Bonafide points. Please rescind this finding, thank you. - Seller-XX/XX/XXXX _xXXXX_<br> Open-The loan fees ($X,XXX.XX) exceed the (XX_Investor) High Cost fee limit, which is ($X,XXX.XX), the difference is ($XXX.XX). Confirmed this is State based finding. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXX shows we passed high cost. It appears you are including points which don't count as they are bona fide. Please see the uploaded XXXXXX information regarding our points. Passed XXXXXX for Bonafide points. Please rescind this finding, thank you. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXXXXXX XXXXXX XX XXXX XX XXXX XXXX XX XXXXXXXXX XXX XXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6395373 | N/A | N/A |
| XXXX | XXXX | XXXX | 304892786 | Closed | 2025-11-26 00:21 | 2026-01-05 00:08 | Resolved | 1 - Information C A | Credit | Income/Employment | VOE performed more than 10 days prior to closing | Resolved-With in XX business days from closing, Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Please rescind this finding. The VVOE is valid through XX/XX/XXXX and was not expired at the time of closing. DHM counts only business days, excluding weekends and holidays. - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Provided Both borrowers VOE exceeds XX days from closing, hence required VOE within XX days from closing. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX XX XX XXXXXXXX XXXX XXXX XXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX - XXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6395474 | N/A | N/A |
| XXXX | XXXX | XXXX | 304892786 | Closed | 2025-11-26 00:11 | 2026-01-27 15:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Finding reflects as resolved, please move forward to complete - Seller-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Re-ran compliance, The loan meets HPML guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(X)(X)(XXX)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Finding reflects as resolved, please move forward to complete - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XX-XXX XXXXXXXXXX, XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6395377 | N/A | N/A |
| XXXX | XXXX | XXXX | 304892683 | Closed | 2025-12-10 08:55 | 2025-12-10 09:28 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(X)(X)(X))The loan contains charges that exceed the good faith determination according to §XXXX.XX(X)(X)(X).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.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 §XXXX.XX(X) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(X)(X)(X). - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6566555 | N/A | N/A |
| XXXX | XXXX | XXXX | 304892683 | Closed | 2025-12-10 08:55 | 2025-12-10 09:28 | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(X)(X)(X))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(X)(X)(X) or (X), the creditor complies with §XXXX.XX(X)(X)(X) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(X)(X)(X) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6566556 | N/A | N/A |
| XXXX | XXXX | XXXX | 304892683 | Closed | 2025-12-07 02:06 | 2025-12-10 08:56 | Resolved | 1 - Information C A | Compliance | State Reg | MI Unrelated Transactional Fees Test | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the Unrelated Transactional Fees Test. (XXXX. Department of Consumer & Industry Services Letter, September XX, XXXX). See XXXX. Comp. Laws Ann. §XXX.XX(X)(X).This loan charges one or more fees prohibited under the Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending, readjusting, or renewing of a secondary mortgage, because these fees or charges are not related to some part of the transaction between lender and borrower. This loan failed the Lender Retained Fees Test. (XXXX. Comp. Laws Ann. §XXX.XX(X)(X))The loan charged one or more fees prohibited under the Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6519611 | N/A | N/A |
| XXXX | XXXX | XXXX | 304892683 | Closed | 2025-12-07 02:06 | 2025-12-10 17:10 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Meets HPML guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-HPML requirements have been met and an interior appraisal was performed. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver but escrow waiver disclosures is missing in file and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX. An interior and exterior appraisal was completed for this property – see pg# XX, XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan does not meets HPML guidelines,.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXX XXXXXX XXX XXXXXX XXXXXX XXXXXXXXXXX XX XXXXXXX XX XXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'XXXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XXX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXX XXX XXXXX XXXX XXXXXXXXXX,.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6519612 | N/A | N/A |
| XXXX | XXXX | XXXX | 304892721 | Closed | 2025-12-12 01:12 | 2026-01-29 06:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Section 50 a6 Signature Date is not signed 12 or more days prior to Closing Date | Resolved-section XX aX document signed XX days before closing provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. XX aX uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Counter-Document provided is not signed XX or more days prior to closing - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. XX aX uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Section XX aX Signature has not been signed within XX days of closing. Section XX aX document signed XX days before closing is missing in file - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXX XX XX XXXXXXXX XXXXXX XX XXXX XXXXXX XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXX XXX XX XX XXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XX XX XX XXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6597205 | N/A | N/A |
| XXXX | XXXX | XXXX | 304892721 | Closed | 2025-12-12 01:12 | 2025-12-22 05:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity Receipt Of Documents is Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Receipt of Documents uploaded - Buyer-XX/XX/XXXX <br>Open-XXXXX XXXX XXXXXX Receipt Of Documents is Missing XXXXX XXXX XXXXXX Acknowledgement of Receipt of Loan Closing Document Copies OR proof of receipt by borrower(s) - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXX XXXX XXXXXX XXXXXXX XX XXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6597207 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038944 | Closed | 2025-12-24 07:02 | 2026-02-13 13:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-The $XXX,XXX depreciation from end of year per business returns. The Pl (no depreciation listed which is normal) is only XX months. $XXX,XXX net /XX= $XX,XXX/.XX ownership =$XX,XXX.XX which supports income used $XX,XXX.XX for both borrowers. The subject property is listed as a rental property included in the business income calculations for borrower X and borrower X. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X YTD Profit & Loss Missing - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-P & L - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Although guidelines allow tax returns only, the originator added back depreciation to the KX net rental income incorrectly overstating the rental income. Page X of the XXXX XXXX tax return does not have depreciation expenses. Clarification required on the income calculation for the rental income business. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXXXXXXXX guidelines apply: As for the P&L conditions, the P&L is not required on this loan for XX XXXXXXXXX XXXXXX XXXXXXX XXXXXXXXXXX. The business is Soley rental income for all of the properties and XXXXXX XXX does not require a P&L or Bank Statements. Our guideline says to follow XXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X YTD Profit & Loss Missing Standalone Xnd full doc requires Current YTD P&L (borrower prepared ok), or X months bank statements missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX $XXX,XXX XXXXXXXXXXXX XXXX XXX XX XXXX XXX XXXXXXXX XXXXXXX. XXX XX (XX XXXXXXXXXXXX XXXXXX XXXXX XX XXXXXX) XX XXXX XX XXXXXX. $XXX,XXX XXX /XX= $XX,XXX/.XX XXXXXXXXX =$XX,XXX.XX XXXXX XXXXXXXX XXXXXX XXXX $XX,XXX.XX XXX XXXX XXXXXXXXX. XXX XXXXXXX XXXXXXXX XX XXXXXX XX X XXXXXX XXXXXXXX XXXXXXXX XX XXX XXXXXXXX XXXXXX XXXXXXXXXXXX XXX XXXXXXXX X XXX XXXXXXXX X. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6786773 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038944 | Closed | 2025-12-24 07:55 | 2025-12-30 05:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Provided Final CD, Note, insurance and taxes for XXX X XXXX, new loan with XXXX XXXXX. Supports PITIA rent loss provided. Please note: XXX X XXXX was an error (correct address XXX X XXXX). - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-REO - Due Diligence Vendor-XX/XX/XXXX <br>Open-All properties owned by the borrower must be fully documented. Missing Final CD or HUDX for new loan with XXXXXXXXX for XXX XXXX XXXX to verify PITIA. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXX XX, XXXX, XXXXXXXXX XXX XXXXX XXX XXX X XXXX, XXX XXXX XXXX XXXX XXXXX. XXXXXXXX XXXXX XXXX XXXX XXXXXXXX. XXXXXX XXXX: XXX X XXXX XXX XX XXXXX (XXXXXXX XXXXXXX XXX X XXXX). - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6787767 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038883 | Closed | 2025-12-22 02:58 | 2026-01-06 19:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided business search confirmed by processor. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Verification of Employement within XX Business Days from Closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXX XXXXXX XXXXXXXXX XX XXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Second Home | Refinance | Cash Out - Other | 6729501 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038883 | Closed | 2025-12-22 02:58 | 2026-01-06 19:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided income calculation worksheet. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Sheet Missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXXX XXXXXXXXXXX XXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXX.XXX |  |  | XXXX | Second Home | Refinance | Cash Out - Other | 6729502 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038883 | Closed | 2025-12-22 04:29 | 2026-01-06 19:23 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Lender provided updated qualifying FICO score. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached with XXX score - Buyer-XX/XX/XXXX <br>Counter-XXXX provided reflects FICO as XXX whereas per Selected FICO Method Primary Wage Earner Mid Score qualifying FICO is XXX. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. XXXX Reflects FICO as XXX whereas per Selected FICO Method Primary Wage Earner Mid Score getting XXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXXXXXXXX XXXX XXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX_XXXXX_<br> XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Second Home | Refinance | Cash Out - Other | 6730120 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038922 | Closed | 2025-12-29 04:54 | 2025-12-29 19:28 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are me.TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver and loan information confirmed from the Final Closing disclosure on Pg#XX. Rate lock date was entered correctly see Pg#'s XXX. An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#XX-XX the appraisal disclosure was provided to the borrower(s) Pg# XX, XXX and copy of the appraisal was given to the borrower see Pg XX, XXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XX.XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX, XXXXXX XXXXXX XXX XXXX XXXXXXXXXXX XXXXXXXXX XXXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XX-XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X) XX# XX, XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX XX, XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6827700 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038924 | Closed | 2025-12-29 05:15 | 2026-01-05 10:42 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg#XXX An interior and exterior appraisal was completed for this property – see Page#XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX#XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6827902 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038925 | Closed | 2025-12-29 00:19 | 2026-02-03 11:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Acknowledged-XX Acknowledged - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXX exception approval is also listed on the bid tape - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited Loan Amount is less than Guideline Minimum Loan Amount The Audited Loan Amount of $XX,XXX is less than the Guideline Minimum Loan Amount of $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXXXXX-XX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXXXXXXX XXX XXXX XXXXXXXX XX XXXXXXX XXX XXX XX.X XXXXX; XXXX XXXXXXXX XXXXXXX XXX XX XXXXXX; XXXXXXXX XXX XXXXX XX XXXXXXX XXXXXXXX XXX X XXXXX. | XXXX | Primary Residence | Refinance | Cash Out - Other | 6826263 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305038925 | Closed | 2026-01-05 15:06 | 2026-01-21 07:22 | Resolved | 1 - Information C A | Compliance | TRID | FCD: The projected P&I payment does not match the Loan Terms payment in document | Resolved-On the Note screen, updated the Days Per Month to 'Actual' and the Days Per Year to 'XXX' and the (Calculated)Initial Monthly P&I Or IO Payment now matches at $XXX.XX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Final CD and Note match so we'll need to know what they want us to do on this one. We'll also need to know how they're calculating this one. We use Actual/XXX.<br>- Due Diligence Vendor-XX/XX/XXXX <br>Open-CALCULATED INITIAL PAYMENT AND INITIAL PRINCIPAL AND INTEREST PAYMENT DO NOT MATCH. The (Calculated)Initial Monthly P&I Or IO Payment reflects $XXX.XX however the (True Data) Initial Monthly P&I Or IO Payment reflects $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX XXX XXXX XXXXXX, XXXXXXX XXX XXXX XXX XXXXX XX 'XXXXXX' XXX XXX XXXX XXX XXXX XX 'XXX' XXX XXX (XXXXXXXXXX)XXXXXXX XXXXXXX X&X XX XX XXXXXXX XXX XXXXXXX XX $XXX.XX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6923026 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038925 | Closed | 2025-12-29 01:10 | 2026-01-13 17:06 | Resolved | 1 - Information C A | Compliance | State Reg | TX Prohibited Fees Test | Resolved-the fees were captured correctly - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-We'll need to know what fee they're referencing since all fees charged to the borrower are valid per TX XXX.XXX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the Regulated Loan License prohibited fees test.The loan contains one or more prohibited fees.Fees not otherwise permitted by law may not be charged or collected in a secondary mortgage loan transaction. Fees not authorized to be charged or collected include, but are not limited to, commitment fees, broker fees that increase the consideration paid by the borrower, pay off statement fees, prepayment penalties, fax fee, courier fees, and escrow management fees. (X TX ADC §X.XXX)A secondary mortgage loan lender may collect the following:Reasonable fees for title examination and preparation of an abstract of title by an attorney who is not an employee of the lender; or a title company or property search company authorized to do business in the state;Premiums or fees for title insurance or title search;Reasonable fees charged to the lender by an attorney who is not a salaried employee of the lender for preparation of the loan documents if the fees are documented by a statement of serviced rendered;Charges prescribed by law that are paid to public officials for determining the existence of and for perfecting, releasing, or satisfying a security interest;Reasonable appraisal fees by an appraiser who is not a salaried employee of the lender;Reasonable cost of a credit report;Reasonable fees for a survey by a registered surveyor who is not a salaried employee of the lender;Premiums received in connection with the sale of credit life insurance, credit accident and health insurance, or other insurance that protects the lender against default;Reasonable fees incurred to comply with a federally mandated program (like a flood zone determination fee) where participation is required by a federal agency;Premiums for property insurance;An administrative fee.(TX Finance Code §XXX.XXX, X TX ADC §X.XXX) This loan failed the Regulated Loan License prohibited fees test. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXX XXXXXXXX XXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6826472 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038925 | Closed | 2025-12-28 23:49 | 2026-01-06 01:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report is not required as per guidelines hence condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-This is not required, pls waive. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing in fike, - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXXX XX XXX XXXXXXXX XX XXX XXXXXXXXXX XXXXX XXXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6826127 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038925 | Closed | 2025-12-29 01:10 | 2026-01-13 17:06 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#XXX. Rate lock date was entered correctly see Pg#'s XXX. An interior and exterior appraisal was completed for this property and is on p XX-XX. The appraisal disclosure was provided to the borrower(s)- see Pg#XXX-XXX. A copy of the appraisal was given to the borrower see Pg XX. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX XXX XX XX X XX-XX. XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XXX-XXX. X XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6826470 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038928 | Closed | 2025-12-30 03:58 | 2026-01-07 02:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap report not required per GL's. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-pls waive. afc does not require - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing Borrower X Gap Credit Report - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXX XXXXXXXX XXX XX'X. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6848099 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038928 | Closed | 2025-12-30 04:42 | 2026-01-05 17:59 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are me.TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver and loan information confirmed from the Final Closing disclosure on Pg#XX. Rate lock date was entered correctly see Pg#'s XXX. An interior and exterior appraisal was completed for this property the appraisal was provided to the borrower(s)- see Pg#XX the appraisal disclosure was provided to the borrower(s) Pg# XXX, XXX and copy of the appraisal was given to the borrower see Pg XXX, XXX for delivery confirmation. The loan meets HPML guidelines" - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XX.XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX, XXXXXX XXXXXX XXX XXXX XXXXXXXXXXX XXXXXXXXX XXXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX XXX XXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X) XX# XXX, XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX XXX, XXX XXX XXXXXXXX XXXXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6848479 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038923 | Closed | 2026-01-05 13:12 | 2026-01-20 17:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-XX approves exception. Compensating Factors: <br> FICO of XXX v XXX minimum<br> LTV of XX.XX% v XX% requirement<br> Reserves of XX months v X month requirement (This is a no c/o refinance) - Buyer-XX/XX/XXXX <br>Escalated-Escalating for XX visibility - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Exception provided for DTI > XX%. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-AFC exception approval - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% Max DTI is XX% per guidelines, however the audited DTI is XX.XX. The file did not contain an Exception form.<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXXXXXXXXXXX XXXXXXX: <br> XXXX XX XXX X XXX XXXXXXX<br> XXX XX XX.XX% X XX% XXXXXXXXXXX<br> XXXXXXXX XX XX XXXXXX X X XXXXX XXXXXXXXXXX (XXXX XX X XX X/X XXXXXXXXX) | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6920874 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305038923 | Closed | 2025-12-30 03:50 | 2026-01-05 13:21 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg#XX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure. The loan does not meet HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX# XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXX XXX XXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6848032 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038929 | Closed | 2025-12-30 00:38 | 2026-05-14 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The income calculation sheet was uploaded with the file, I've re-uploaded it for review. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Lender Worksheet / Income Calculator - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6846993 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038929 | Closed | 2025-12-30 00:59 | 2026-01-07 02:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap report not required per GL's. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Per AFC uw guideline, this is not required. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing gap report. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXX XXXXXXXX XXX XX'X. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6847095 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038926 | Closed | 2025-12-31 06:47 | 2025-12-31 07:11 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_ XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X_ XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6870004 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038876 | Closed | 2026-01-06 07:56 | 2026-01-08 07:37 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-XXXX provided with updated FICO score. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached. Credit is XXX - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on XXXX does not match Qualifying FICO per XXXXXXXXXX. Please confirm the correct Qualifying FICO. The XXXX did not contain a FICO score. The qualifying FICO score was - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX XXXX XXXXXXX XXXX XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6932988 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038913 | Closed | 2026-01-01 23:35 | 2026-02-20 04:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender calculation used X yr XXXX avg for both borrowers. Income used supports. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income calculations attached above. Please clear at your earliest convenience. - Buyer-XX/XX/XXXX <br>Counter-Business returns and P&L were not used to calculate the income in the transaction. Wage (paystubs) were used for both borrower X and borrower X. The UW comment on the XXXX: "Both borrowers draw a salary from the business - using XXXX WX figures for both. XXXX tax returns support the wage income qualified." Provide the missing income calculator worksheets for Borrower X and Borrower X. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Income calculator is not required for this loan type. <br> UW notes:<br> INCOME:<br> Self employed using personal/business tax returns<br> Qualifying XXXX WX for both borrowers - bwr wages are supported from business income<br> Used YTD P&L, business narrative form and XXXX transcripts<br> - Buyer-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. BX and BX income calculation sheets are missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXXXXX XXXX X XX XXXX XXX XXX XXXX XXXXXXXXX. XXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX XXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6888509 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038913 | Closed | 2026-01-02 00:32 | 2026-01-21 11:01 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-XXXXXXXXX's broker agreement contractually obligates the broker to comply with anti-steering. Finding resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-It's our compliance and Legal team's understanding that this disclosure is required of the broker, not the lender and therefore we do not expect our TPR firms to test for the presence of this disclosure and would not expect to have a finding for a lack thereof.<br> - Buyer-XX/XX/XXXX <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Anti-Steering Disclosure is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX'X XXXXXX XXXXXXXXX XXXXXXXXXXXXX XXXXXXXXX XXX XXXXXX XX XXXXXX XXXX XXXX-XXXXXXXX. XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6888738 | N/A | N/A |
| XXXX | XXXX | XXXX | 304892890 | Closed | 2026-01-02 05:50 | 2026-05-14 15:35 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Business Tax Returns Less Than 24 Months Provided | Resolved-Invalid Condition as guideline requires only X year recent tax returns, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please waive your condition for X years of tax returns. Per XXXXXXXXX guidelines, Equity advantage only requires X year:<br>XX.X.X SOURCES OF INCOME<br>For all income sources, borrowers are qualified based on calculated stable monthly income over the most<br>recent X-year period. Income may be obtained from a variety of sources such as salary, bonus, commission,<br>self-employment, etc., and should be reasonably expected to continue for the next X years. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Business Tax Returns Less Than XX Months Provided Provided only X year tax returns. Required minimum X years - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXXXX XX XXXXXXXXX XXXXXXXX XXXX X XXXX XXXXXX XXX XXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6890406 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038866 | Closed | 2026-01-02 09:15 | 2026-01-21 23:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gap report uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing Gap credit report - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX - XXXXXXXXX - XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6894864 | N/A | N/A |
| XXXX | XXXX | XXXX | 304892818 | Closed | 2026-01-05 03:53 | 2026-01-11 14:32 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-XXXX with corrected qualifying FICO provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please find the updated XXXX attached. Thank you - Due Diligence Vendor-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX provided does not match Qualifying FICO entry selected per lender guidelines. Provide a XXXX with the correct Qualifying FICO value. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXXXXX XXXXXXXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6910167 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038905 | Closed | 2026-01-05 21:42 | 2026-05-14 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. voe attached. - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Require a Xrd part Verification of Employment for borrower X within XX days of closing either in form of VVOE or business entity search<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX-XXXXXXX-XXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6927335 | N/A | N/A |
| XXXX | XXXX | XXXX | 304904384 | Closed | 2026-01-07 02:49 | 2026-01-14 02:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Final XXXX and XXXX do not have to match. DTI also within XXXXXXXXXX. Updated XXXX not required. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-final XXXX and XXXX do not have to match. We have mentioned this previously. Our DTI is currently also at XX. Please clear this condition. - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete As per XXXX Final Income is $XX,XXX Whereas XXXX & Loan Approval Document Income is $XX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXX XXX XXXX XX XXX XXXX XX XXXXX. XXX XXXX XXXXXX XXXXXXXXXX. XXXXXXX XXXX XXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6952970 | N/A | N/A |
| XXXX | XXXX | XXXX | 304904384 | Closed | 2026-01-07 03:26 | 2026-01-07 03:32 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s N/A and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets XXXX guidelines<br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX<br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6953432 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038907 | Closed | 2026-01-07 23:59 | 2026-05-14 15:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Borrower X Xrd Party VOE Prior to Close dated within XX days of close. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX_XXX_XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6975539 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038907 | Closed | 2026-01-08 01:19 | 2026-01-21 21:44 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Income Documents as tax returns , tax transcripts are Missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Missing income document for Business MOMO Equities - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXXX XX XXX XXXXXXX , XXX XXXXXXXXXXX XXX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXXXXXX.XXX_XXXXX_<br> XXXX XXXX.XXX_XXXXX_<br> XXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6976202 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038943 | Closed | 2026-01-13 10:50 | 2026-01-15 16:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Award Letter | Resolved-Evidence of income provided, employment income page updated. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Please find proof of income attached. Thank you - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Missing SSI and disability award letters or corresponding proof of benefit income. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX XX XXXXXX XXXXXXXX, XXXXXXXXXX XXXXXX XXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7068791 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038884 | Closed | 2026-01-07 00:34 | 2026-01-20 18:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-VOE provided for BX - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE Prior to XX days of Close Missing requred - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXXXXXX XXX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6951609 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038884 | Closed | 2026-01-07 01:51 | 2026-01-20 17:58 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC dated XX/XX/XXXX provided - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Points and the loan origination fee increased on the initial CD however the file did not contain a change of circumstance or lender credit. Points increased to $XXX.XX and the origination fee increased from $X,XXX to $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXXX XX/XX/XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6952276 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038884 | Closed | 2026-01-07 01:51 | 2026-01-20 17:58 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC dated XX/XX/XXXX provided - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. COC Missing, Provide COC For point loan discount fee $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXX XXXXX XX/XX/XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6952277 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038884 | Closed | 2026-01-07 01:51 | 2026-01-20 17:58 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC dated XX/XX/XXXX provided - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. COC Missing, Provide COC For point loan discount fee $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXX XXXXX XX/XX/XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6952278 | N/A | N/A |
| XXXX | XXXX | XXXX | 304875978 | Closed | 2026-01-08 03:17 | 2026-01-21 21:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Hazard Insurance Policy Partially Provided Hazard insurance document available in page no #XXX-XXX but premium is missing. Required updated Hazard insurance document with premium. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6976667 | N/A | N/A |
| XXXX | XXXX | XXXX | 304875978 | Closed | 2026-01-08 04:13 | 2026-01-21 21:18 | Waived | 2 - Non-Material C B | Credit | Title | Potential Ownership issues identified in file | Waived-Formal exception in loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-XX approves exception. Comp Factors:<br> XX.XX% LTV is below the maximum XX% LTV by XX.XX%.<br> XXX Representative credit score exceeds the minimum required of XXX by XX points - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Exception available in page no #XXX, Exception for XX% Ownership, Minimum Business Ownership Percentage is XX% - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXX-XXXXXX XXXXXXXXX XX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6977048 | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 304875978 | Closed | 2026-01-08 04:08 | 2026-01-21 21:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Formal exception in loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-XX approves exception. Comp Factors:<br> XX.XX% LTV is below the maximum XX% LTV by XX.XX%.<br> XXX Representative credit score exceeds the minimum required of XXX by XX points - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Loan does not conform to program guidelines Exception available in page no #XXX , Exception for XX YR Fixed program - XXXXXXXXX only allow XXYR, XX YR, OR XX YR FIXED - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXX-XXXXXX XXXXXXXXX XX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 6977002 | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 304892830 | Closed | 2026-01-12 02:44 | 2026-01-30 12:43 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-XX approved this exception, please move to complete, thank you. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-XX approves exception. Appraisal is less than XX days from closing. Comp Factors.: <br> XXX Representative credit score exceeds the minimum required of XXX by XX points<br> XX.XX% CLTV is below the maximum XX% LTV by XX.XX%.<br> Mortgage history- XxXXxXX minimum per guidelines XxXXxXX - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Exception On XXX APPRAISAL TRANSFER IS OVER XX DAYS OF SUBMISSION . Recommend waiving - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> XX.XX% XXXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> XXXXXXXX XXXXXXX- XXXXXXX XXXXXXX XXX XXXXXXXXXX XXXXXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7030539 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 304892830 | Closed | 2026-01-11 04:38 | 2026-01-11 04:39 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7025629 | N/A | N/A |
| XXXX | XXXX | XXXX | 304892830 | Closed | 2026-01-11 04:38 | 2026-01-11 04:39 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7025630 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038869 | Closed | 2026-01-08 23:03 | 2026-01-20 03:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Requested Initial XXXX provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-The Initial XXXX is Missing Initial XXXX signed by originator within X days of application date is required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXXXX -- XXXX-XXXXXXX (XX).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6999307 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038869 | Closed | 2026-01-09 03:21 | 2026-01-20 02:32 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Unable to verify Housing history, provided VOR, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements Unable to verify current rent history of borrower due to insufficient documentation of rental payments. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XX XXXXXX XXXXXXX XXXXXXX, XXXXXXXX XXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXX XX XXXX (XX).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7000398 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038873 | Closed | 2026-01-14 13:02 | 2026-02-04 07:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Note provided dated XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX <br>Counter-According to the guidelines terms of the first lien are required by providing a copy of the Senior Note and / or Mortgage. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Please review mortgage stmt - XXXXX-XX/XX/XXXX <br>Open-Previous Note and / or Mortgage missing from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX XXXXX XX/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX_XXXXXXX XXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7093385 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038873 | Closed | 2026-01-14 12:25 | 2026-01-28 07:31 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Resolved - per commitment. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage per commitment provided is less than the loan amount of $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7092597 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038873 | Closed | 2026-01-27 07:39 | 2026-01-27 07:42 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Reason for Redisclosure Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7310351 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038873 | Closed | 2026-01-12 04:39 | 2026-01-27 07:40 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Counter-There was not a new upload provided. Borrower signed the Right of Rescission on XX/XX/XXXX and according to the date (which was crossed out), had until XX/XX/XXXX to rescind. The disbursement date per final CD was the same date as final right to rescind date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Please review upload - XXXXXX-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Disbursement date of XX/XX/XXXX per final CD which is prior to the last day of rescission which was XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Please review upload - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXX-X XXXXXX.XXX_XXXXX_<br> XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7031924 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038870 | Closed | 2026-01-12 04:32 | 2026-01-21 01:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Rental income calculation provided, no leases required as this is not a XXXX transaction updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-For XXXXXXXXX XXXXXX XXXXXXXXX XXXXXX Lease in Place can't be blank, No or NA Missing lease agreement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXX XXXXXXXXXXX XXXXXXXX, XX XXXXXX XXXXXXXX XX XXXX XX XXX X XXXX XXXXXXXXXXX XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX_XXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7031865 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038918 | Closed | 2026-01-10 06:09 | 2026-03-03 08:57 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Credit discission score is XXX. The lower middle fico score of the two borrowers was used - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Credit discission score is XXX. The lower middle fico score of the two borrowers was used. Please rescind this finding. - XXXXXX-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. XXXX Reflects FICO as XXX whereas with Primary wage earner mid score getting XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Credit discission score is XXX. The lower middle fico score of the two borrowers was used. Please rescind this finding. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXXXX XXXXX XX XXX. XXX XXXXX XXXXXX XXXX XXXXX XX XXX XXX XXXXXXXXX XXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7023009 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038918 | Closed | 2026-01-10 06:09 | 2026-03-03 01:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Requested Gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit refresh is dated XX/XX. Loan closed X/X. We do not count holidays (XX/XX & X/X) or weekends. Gap provided is at XX business days and acceptable. Please clear this finding as presented. Thank you! - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide Gap Report within in XX Business Days - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXX XX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7023007 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038918 | Closed | 2026-01-10 06:09 | 2026-03-03 01:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested Gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit refresh is dated XX/XX. Loan closed X/X. We do not count holidays (XX/XX & X/X) or weekends. Gap provided is at XX business days and acceptable. Please clear this finding as presented. Thank you! - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide Gap Report within in XX Business Days - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXX XX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7023006 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038918 | Closed | 2026-01-10 06:09 | 2026-03-02 12:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Formal exception in loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Exception approval already presented. Please rescind this finding as we should not be asked to acknowledge an already approved exception. Thank you! - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXXX Requirements Exception approved for no primary housing (rent free) on investment property transaction subject to: X) Verification from employer that BX has been transferred to XX or is approved to work remotely X) Satisfactory explanation on why multiple documents (XXXX, Paystub, Mtg Stmnt) show the borrowers' address as subject property address. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Exception approval already presented. Please rescind this finding as we should not be asked to acknowledge an already approved exception. Thank you! - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXX XXXXXXXXX XX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> $XXX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $X,XXX XXXXXXX XXX XXXXXXX XX XX XXXXXX XXXX XXX XXXXXXXX XXXXXXX.<br> XXXXXXXX XXX $XXX,XXX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX.<br> XXXXXXX XXXXXXX XXXXXXX XX XX.XX% XXXX $XX,XXX XX $X,XXX. | XXXX | Investment | Refinance | Cash Out - Other | 7023005 | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 305029284 | Closed | 2026-01-10 01:25 | 2026-03-03 08:35 | Resolved | 1 - Information C A | Compliance | Interest:DaysInYear | South Carolina - Days Used For Interest Calculation | Resolved-This test has passed with the updated settings. Finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-N/A XXXXXXXXXX has a XXXXX XXXXXXXX State Consumer License. - Buyer-XX/XX/XXXX <br>Open-The Days in Year Number used to calculate the interim interest is (XXX.X). The XXXXX XXXXXXXX Consumer Protection Code requires XXX days, or XXX in a leap year, used for the interest calculation. (S.C. Code Ann. XX-X-XXX(X)) As per XXXXXXXXXX Updated as per XXX Days - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXX XXXXXX XXXX XXX XXXXXXX XXXXXXXX. XXXXXXX XXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7022345 | N/A | N/A |
| XXXX | XXXX | XXXX | 305029284 | Closed | 2026-01-10 01:25 | 2026-02-06 10:37 | Waived | 2 - Non-Material C B | Compliance | Mavent | Interest: DaysInYear | Waived-XX allows for the use of the XXX-day method when calculating the finance charge for a month or the year, and to use a XXX-day approach when calculating a per diem.- Please note that the purchasing investor may be responsible for the refund. Finding waived. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-N/A XXXXXXXXXX has a XXXXX XXXXXXXX State Consumer License. - Seller-XX/XX/XXXX <br>Open-The Interest Days in Year used to calculate the interest is (Periodic XXX). The XXXXX XXXXXXXX Consumer Protection Code requires XXX days used for the interest calculation. (S.C. Code Ann. XX-X-XXX(X)) As per XXXXXXXXXX Updated as per XXX Days - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-N/A XXXXXXXXXX has a XXXXX XXXXXXXX State Consumer License. - Seller-XX/XX/XXXX<br>| XXXXXX-XX XXXXXX XXX XXX XXX XX XXX XXX-XXX XXXXXX XXXX XXXXXXXXXXX XXX XXXXXXX XXXXXX XXX X XXXXX XX XXX XXXX, XXX XX XXX X XXX-XXX XXXXXXXX XXXX XXXXXXXXXXX X XXX XXXX.- XXXXXX XXXX XXXX XXX XXXXXXXXXX XXXXXXXX XXX XX XXXXXXXXXXX XXX XXX XXXXXX. XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7022346 | Investor Post-Close | No |

| XXXX | XXXX | XXXX | 305029284 | Closed | 2026-01-10 01:25 | 2026-01-12 19:58 | Resolved | 1 - Information A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. XXXXXXXXXX's broker agreement contractually obligates the broker to comply with anti-steering. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXX XX XXXXXX XX XXXX XX XXXXXX, XXXX XXXXXXXX XX XXXX-XXXXXXXX XXXXXXXXXX, XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXXXXX. XXXXXX XXXX XXXXXXXXXXX. XXXXXXXXX'X XXXXXX XXXXXXXXX XXXXXXXXXXXXX XXXXXXXXX XXX XXXXXX XX XXXXXX XXXX XXXX-XXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7022340 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038903 | Closed | 2026-01-11 23:22 | 2026-01-27 04:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-XXXX-X provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-X Missing Provide Borrower X Executed XXXX-X, Missing in File - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX-X XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXX XXX XXXXXXXXXX XX XXX XXXXXX (XXX XXXX-X).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7029317 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038903 | Closed | 2026-01-11 23:22 | 2026-01-27 04:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-XXXX-X provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-X Missing Provide Borrower X Executed XXXX-X, Missing in File - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX-X XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXX XXX XXXXXXXXXX XX XXX XXXXXX (XXX XXXX-X).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7029318 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038903 | Closed | 2026-01-15 10:40 | 2026-01-22 04:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The XXXX Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Lender provided fully executed initial business purpose disclosure. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided fully executed Initial business purpose disclosure. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Executed initial business purpose disclosure is missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXX XXXX XXXX XX 'XXXXXXXXXXXX' XXX XXX XXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXXXXX XX XXX XXXX XX 'XXXXXXX', XXX XX XXX XXXXXXXX XXXXXXX XX XXXX XX 'XXXXXXX'. XXXXXXXX XXXXXXX XXXXXXXXX XX XXXXXXXX XXX X XXXX XXXX. XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXX - XXXXXXXX XXXXXXX XXX XXXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7115238 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038911 | Closed | 2026-01-16 00:05 | 2026-01-20 09:25 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Loan Exception approved on p XXX. "Manager Notes: Exception review - approved for use of borrower provided transcripts. Comp factors: XX+ mos reserves after closing, limited use of credit." Approved Exception is on p XXX. Waived. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Waived- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXXX XXXXXXXXX XXXXXXXX XX X XXX. "XXXXXXX XXXXX: XXXXXXXXX XXXXXX - XXXXXXXX XXX XXX XX XXXXXXXX XXXXXXXX XXXXXXXXXXX. XXXX XXXXXXX: XX+ XXX XXXXXXXX XXXXX XXXXXXX, XXXXXXX XXX XX XXXXXX." XXXXXXXX XXXXXXXXX XX XX X XXX. XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXXXXXXXXXX XXXXXXX: XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%; XX.XX% XXXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%; XXXXXXXX XXX XXXX XXXXXXXX XX XXXXXXX XXX XXX X.XX XXXXX; XXXX XXXXXXXX XXXXXXX XXX XX XXXXXX.  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7130082 | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 305038879 | Closed | 2026-01-16 01:45 | 2026-01-26 02:42 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Alta Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount The Title Coverage Amount of $XXX,XXX is Less than Loan Amount of $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXX XXXX XXXXXXXXXXX XXXX XXXXXX XXXXXXXX, XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X), XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7130550 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038879 | Closed | 2026-01-16 02:06 | 2026-01-26 02:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-UDM on uploaded drive report is within XX days from closing date, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Borrower X Gap Credit Report within XX days of closing is Missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XX XXXXXXXX XXXXX XXXXXX XX XXXXXX XX XXXX XXXX XXXXXXX XXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXX XXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7130667 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038879 | Closed | 2026-01-16 02:06 | 2026-01-26 02:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM on uploaded drive report is within XX days from closing date, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Borrower X Gap Credit Report within XX days of closing is Missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XX XXXXXXXX XXXXX XXXXXX XX XXXXXX XX XXXX XXXX XXXXXXX XXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXX XXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7130666 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038879 | Closed | 2026-01-18 22:53 | 2026-01-21 17:06 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the XX AB XXX higher-priced mortgage loan test. (XX AB XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. The Escrow Waiver is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XX and XXX-XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX-XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XX XXXXXX XXX XXXXXXX XXXX. XXX XXXXXX XXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XXX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XX XXX XXX-XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX-XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7158737 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038879 | Closed | 2026-01-18 22:53 | 2026-01-21 17:06 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. The Escrow Waiver is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XX and XXX-XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX-XXX. The loan meets XXXX guidelines. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XX XXXXXX XXX XXXXXXX XXXX. XXX XXXXXX XXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XXX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XX XXX XXX-XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX-XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7158742 | N/A | N/A |
| XXXX | XXXX | XXXX | 305057899 | Closed | 2026-01-19 05:43 | 2026-01-26 08:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report provided. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing Gap Credit Report - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XXXX | Second Home | Refinance | Cash Out - Other | 7162377 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038937 | Closed | 2026-01-18 11:12 | 2026-01-23 04:37 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-The loan meets XXXX Guidelines and is a Compliant XXXX loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Received proof that the AVM had been sent to the borrower, resolved.<br> This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(iii))This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, first mortgage statement and loan information is on page XXX Rate lock date was entered correctly – see page XXX. An AVM was completed for this property – see page X, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XXXXXXXX, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX <br>Counter-Counter, missing proof AVM was sent to the borrower. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Counter, missing proof AVM was sent to the borrower. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(iii))This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, first mortgage statement and loan information is on page XXX Rate lock date was entered correctly – see page XXX. An AVM was completed for this property – see page X, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page Missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-See comment on conditions. The first lien has escrows. XXXX loas are allowed with escrows. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX <br>Ready for Review-See comment on conditions. The first lien has escrows. XXXX loas are allowed with escrows. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXX XXXX XXX XXX XXX XXXX XXXX XX XXX XXXXXXXX, XXXXXXXX.<br> XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX))XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXX XXXXXXXX XXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX XXX XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX. XX XXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX X, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XX XXXXXXX_XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7156428 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038937 | Closed | 2026-01-18 11:12 | 2026-01-23 04:37 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets XXXX Guidelines and is a Compliant XXXX loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Received proof that the AVM had been sent to the borrower, resolved.<br> This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(iii))This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, first mortgage statement and loan information is on page XXX Rate lock date was entered correctly – see page XXX. An AVM was completed for this property – see page X, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XXXXXXXX, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Uploaded - XXXXXX-XX/XX/XXXX <br>Counter-Counter, missing proof AVM was sent to the borrower. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-The guidelines allow for High Priced loans as long as the taxes and insurance are escrowed on the first. In this case, the mortgage statement in the file reflects escrows. - XXXXXX-XX/XX/XXXX <br>Open-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Uploaded - XXXXXX-XX/XX/XXXX <br>Ready for Review-The guidelines allow for High Priced loans as long as the taxes and insurance are escrowed on the first. In this case, the mortgage statement in the file reflects escrows. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXX XXXX XXX XXX XXX XXXX XXXX XX XXX XXXXXXXX, XXXXXXXX.<br> XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX))XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXX XXXXXXXX XXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX XXX XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX. XX XXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX X, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7156429 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038912 | Closed | 2026-01-22 10:00 | 2026-02-05 06:19 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Excluding holidays and weekend, gap is XX days. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached gap credit merged into the file. The credit report is dated XX/XX/XX, making it valid through XX/XX/XX, as XX business days are counted excluding weekends and holidays. Please clear this finding. - XXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). A gap credit report is required within XX business days of closing. Evidence of an active Debt Monitoring Service is acceptable in lieu of a gap credit report. The Debt Monitoring Service must be in effect within XX days of closing. If written evidence cannot be provided, a processor cert or lender attestation stating no new debts are present is allowed. Missing gap report within XX business days for Borrower X. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXXX XXX XXXXXXX, XXX XX XX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7246859 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038912 | Closed | 2026-01-22 10:00 | 2026-02-05 06:19 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Excluding holidays and weekend, gap is XX days. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached gap credit merged into the file. The credit report is dated XX/XX/XX, making it valid through XX/XX/XX, as XX business days are counted excluding weekends and holidays. Please clear this finding. - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). A gap credit report is required within XX business days of closing. Evidence of an active Debt Monitoring Service is acceptable in lieu of a gap credit report. The Debt Monitoring Service must be in effect within XX days of closing. If written evidence cannot be provided, a processor cert or lender attestation stating no new debts are present is allowed. Missing gap report within XX business days for Borrower X. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXXX XXX XXXXXXX, XXX XX XX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7246858 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038893 | Closed | 2026-01-19 22:21 | 2026-01-29 07:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-VOE for BX provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing BX third party VOE prior to closing missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX-XXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7173026 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038893 | Closed | 2026-01-19 22:21 | 2026-01-29 07:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Xrd party VOE Missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing BX third party VOE prior to closing missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXX XXX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX-XXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7173027 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038893 | Closed | 2026-01-19 22:54 | 2026-01-29 07:39 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC provided by lender - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached. - Buyer-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Rate Lock Extension fee ($X,XXX) added to final CD dated X/X/XXXX however the file did not contain a change of circumstance or lender credit in same amount. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX XX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XX XXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7173175 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038893 | Closed | 2026-01-19 22:54 | 2026-01-29 07:39 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC provided by lender - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. This loan failed the reimbursement amount validation test. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXX XX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XX XXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7173176 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038893 | Closed | 2026-01-19 21:26 | 2026-01-23 08:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing BX GAP report is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7172737 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038893 | Closed | 2026-01-19 21:26 | 2026-01-23 08:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing BX GAP report is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7172738 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038865 | Closed | 2026-01-20 00:07 | 2026-01-26 02:34 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Requested pension income documentation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Missing pension income documentation, evidence and receipt. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXXXX XXXXXXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7173521 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038865 | Closed | 2026-01-19 22:17 | 2026-01-26 02:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested UDM Provided in lieu of gap credit report, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXXXXX XX XXXX XX XXX XXXXXX XXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7172993 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065130 | Closed | 2026-01-22 19:28 | 2026-01-27 16:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved- Affiliated Business Disclosure provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Missing Affiliated Business Disclosure - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- XXXXXXXXXX XXXXXXXX XXXXXXXXXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXX XXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7259941 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065130 | Closed | 2026-01-21 03:35 | 2026-01-27 16:04 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Signed Intent to Proceed Disclosure provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXXX XX XXXXXX XX XXXXXXX (XX).XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7197332 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038860 | Closed | 2026-03-10 11:47 | 2026-03-10 11:51 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXX.XX(f)(X)(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 §XXXX.XX(f)(X)(i) no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8026199 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038860 | Closed | 2026-01-20 23:14 | 2026-03-06 07:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. The e-mail uploaded reflects the processor XXXXXXX XX XXXXXXXXX confirmed with employer XXXXXXXXX XXXXXXX / XXXX Coordinator at XXXXXXXX on XX/XX/XXXX that BX XXXXXXXX XXXXXXX is currently employed, Start date X/XX/XXXX, Position is XXXXXX and she has further confirmed she is a XXXX contract employee. Please accept this as confirmation as stated on the e-mail chain uploaded. - Buyer-XX/XX/XXXX <br> Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXXXXXXXXX XX XXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7196031 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038939 | Closed | 2026-01-28 04:49 | 2026-01-28 18:03 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($X,XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7325786 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038939 | Closed | 2026-01-28 04:49 | 2026-01-28 18:03 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($X,XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7325787 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038864 | Closed | 2026-01-27 01:01 | 2026-01-29 00:57 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico Mis match from XXXX to Credit Report, provided updated XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX attached fico is XXX - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. XXXX is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXX XXXXX XXXX XXXX XX XXXXXX XXXXXX, XXXXXXXX XXXXXXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7306904 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038864 | Closed | 2026-01-27 05:05 | 2026-01-28 08:51 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing the Loan Estimate dated XX/XX/XX after the interest rate was locked. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Updated: Missing the Loan Estimate dated XX/XX/XX after the interest rate was locked. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7308147 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038864 | Closed | 2026-01-27 05:05 | 2026-01-28 08:37 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Provide COC for fees increase - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XX.XX) exceed the comparable charges ($X.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX <br>Open-Provide COC for fees increase - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7308150 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038864 | Closed | 2026-01-27 05:28 | 2026-01-28 08:37 | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Provide COC for fees increase $XX reimbursement - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Finding added for COC. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7308316 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038864 | Closed | 2026-01-28 06:28 | 2026-01-28 06:31 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section C. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount and a subtotal of all such amounts the consumer will pay for settlement services for which the consumer can shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7326977 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038864 | Closed | 2026-01-27 05:23 | 2026-01-28 08:48 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7308275 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038864 | Closed | 2026-01-27 05:23 | 2026-01-28 08:48 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7308276 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038864 | Closed | 2026-01-27 05:05 | 2026-01-28 07:48 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7308149 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065227 | Closed | 2026-01-29 06:36 | 2026-02-05 09:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Lender provided approved exception for DTI to %. Finding waived. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Pls review uploaded AFC internal exception approval. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited DTI Exceeds Guideline DTI Audited DTI of XX.XX% exceeds Guideline DTI of XX%. As per guidelines Exception on DTI up to XX% with compensating factors is required. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXX XXXXXXXX XXXXXXXX XXXXXXXXX XXX XXX XX %. XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XX.X% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.X%.<br> XXXXXXXX XXX $X,XXX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X. | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7347659 | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 305065227 | Closed | 2026-01-29 06:17 | 2026-02-02 16:46 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s N/A and the Final Closing disclosure on Pg#'s XX Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7347229 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065229 | Closed | 2026-01-29 09:19 | 2026-02-09 07:43 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s N/A and the Final Closing disclosure on Pg#'s XX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for delivery confirmation. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXXXXXXX XXXXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7353090 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065230 | Closed | 2026-01-29 02:26 | 2026-02-05 14:10 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. can be replaced with the Sentence of "Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX, XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXX XX XXXXXXXX XXXX XXX XXXXXXXX XX "XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX, XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7344840 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065228 | Closed | 2026-01-29 03:05 | 2026-02-02 12:17 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. The Final Closing disclosure on Pg#'s XX reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XX XXXXXX XXX XXXXXXX XXXX. XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7345100 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065235 | Closed | 2026-02-02 15:45 | 2026-02-09 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-VOE, WVOE AND THIRD PARTY VERIFICATION ARE IN THE FILE. PLS REVIEW. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7406830 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065235 | Closed | 2026-01-28 06:39 | 2026-02-05 03:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit not needed on refinances, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Home Loan Toolkit uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-home tool kit is not needed on refinances. Please rescind. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing Missing the Consumer Caution and Home Owner Counseling notice (Home loan toolkit) - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXXX XXX XXXXXX XX XXXXXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7327146 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065235 | Closed | 2026-01-28 06:44 | 2026-01-29 06:07 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg# XX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX# XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7327252 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065236 | Closed | 2026-01-27 22:26 | 2026-02-05 06:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Condo questionnaire not required for AFC on Xnd liens - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-condo Q's are not required on second mtgs - Due Diligence Vendor-XX/XX/XXXX <br>Open-HOA Questionnaire is Missing or Partial. Condo questionnaire is missing in file to determine if condo is warrantable - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXXXXXXX XXX XXXXXXXX XXX XXX XX XXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7323817 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065236 | Closed | 2026-01-28 00:31 | 2026-02-05 06:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception waived - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Pls see uploaded AFC internal exception approval. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited DTI Exceeds Guideline DTI Per matrices max DTI is XX%, Per file qualified DTI is XX.XX% an exception was not provided. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXXX XX.X XXX XXX XXXXXXXXXX XX XX%<br> XXXXXXXX XXXXXX- $X,XXX.XX XXXXXXX XXX XXXXXXXXXX XX $XXXX<br> XXXXXXXX XXXXXXX- XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XXXXXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7324381 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065236 | Closed | 2026-01-28 00:27 | 2026-01-28 04:57 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX. confirmation the appraisal was delivered to the borrower on page #XX,XX. The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX. XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX #XX,XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7324347 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065236 | Closed | 2026-01-28 00:27 | 2026-01-28 04:57 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX. confirmation the appraisal was delivered to the borrower on page #XX,XX. The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX. XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX #XX,XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7324351 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065231 | Closed | 2026-02-02 17:39 | 2026-04-20 14:27 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-Received a copy of the check, PCCD, LOE, and proof of delivery.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Cured-Received a copy of the check, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(o)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Updated Fees which addressed this condition. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(o)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(o)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX. Per note IR is XX.XXX%. IR on final CD provided reflects XX% Confirm the loan calculations provided are accurate as the incorrect interest rates provided on the Note and the CD are inconsistent. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXX-XXXXXXXX X XXXX XX XXX XXXXX, XXXX, XXX, XXX XXXXX XX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXX-XXXXXXXX X XXXX XX XXX XXXXX, XXXX, XXX, XXX XXXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXX XXXXX XXXXXXXXX XXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7408107 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065231 | Closed | 2026-02-02 18:57 | 2026-04-14 13:05 | Resolved | 1 - Information A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved-Documents provided resolved the issue, finding cleared. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Pls see the attached POST CD reflecting the cure. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. Fired because issue date on closing CD is X/X/XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXXX XXXXXXXX XXX XXXXX, XXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXX XXXX XXXXXX XXX XXXX XXXXXXXXXX XXXXX XXX XXXXXXXX XXXXXXXX XXXXXXXXXX XXXX.XXXX XXXX XXXXXXXX XXXXXX:X XXXXXXX XXXX XXXXXXXX XXXXXXX XXXX XXXX XX XXXXX XXX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX; XXXXX XXXXXXX XXXXXXX XXXXXXXXXX XXXXXXX XXXX XXXX XX XXXXX XXX XXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXX XXXX; XXXXX XXXXXXX XXXXXXX XXXXXXXXXX XXXXXXX XXXX XXXX XX XXXXX XXX XXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXX XXXX.XXXXXXX, XXX XXXXXX XX XXXXXXXX XX XXXXXX XX "XXXXXXXX." XXXXXX XXXXXX XXX XXXX XXXX XX XXXXXX XXX XXXXX XXX XXXXXX XX XXXXXXXX XXX XXXXXXX. XXXXX XXXXXXX XXXXX XXXX XX XXXXXXX XX XX X/X/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7408710 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065231 | Closed | 2026-02-02 17:39 | 2026-04-14 12:16 | Cured | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Cured- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received a copy of the check, PCCD, LOE, and proof of delivery.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Cured-Received a copy of the check, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID total of payments test. (XX CFR §XXXX.XX(o)(X))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $X.XX is not sufficient to cure the inaccuracy. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Counter- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID total of payments test. (XX CFR §XXXX.XX(o)(X))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $X.XX is not sufficient to cure the inaccuracy. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID total of payments test. (XX CFR §XXXX.XX(o)(X))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $X.XX is not sufficient to cure the inaccuracy. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID total of payments test. (XX CFR §XXXX.XX(o)(X))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $X.XX is not sufficient to cure the inaccuracy. The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX Per note IR is XX.XXX%. IR on final CD provided reflects XX% Confirm the loan calculations provided are accurate as the incorrect interest rates provided on the Note and the CD are inconsistent. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXXX XX XXX XXXXX, XXXX, XXX, XXX XXXXX XX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXX-XXXXXXXX X XXXX XX XXX XXXXX, XXXX, XXX, XXX XXXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7408110 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065231 | Closed | 2026-02-02 17:39 | 2026-04-14 12:15 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Cured-Received a copy of the check, PCCD, LOE, and proof of delivery.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Cured- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Cured-Received a copy of the check, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Counter- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX. Per note IR is XX.XXX%. IR on final CD provided reflects XX% Confirm the loan calculations provided are accurate as the incorrect interest rates provided on the Note and the CD are inconsistent. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXX-XXXXXXXX X XXXX XX XXX XXXXX, XXXX, XXX, XXX XXXXX XX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXX-XXXXXXXX X XXXX XX XXX XXXXX, XXXX, XXX, XXX XXXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7408114 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065231 | Closed | 2026-02-06 16:25 | 2026-04-02 07:46 | Resolved | 1 - Information C A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7501091 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065231 | Closed | 2026-02-06 16:25 | 2026-04-02 07:46 | Resolved | 1 - Information C A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(d)(X) , transferred from XX CFR §XXX.XX(d)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(d)(X) , transferred from XX CFR §XXX.XX(d)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(d)(X) , transferred from XX CFR §XXX.XX(d)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(d)(X) , transferred from XX CFR §XXX.XX(d)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(d)(X) , transferred from XX CFR §XXX.XX(d)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7501093 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065231 | Closed | 2026-03-27 11:11 | 2026-04-02 07:46 | Resolved | 1 - Information C A | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Pls see the updated PCCD and Amortization Schedule. A new note is not needed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (XX CFR §XXXX.XX(f)(X)(v))The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8362914 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065231 | Closed | 2026-03-27 11:07 | 2026-03-27 11:12 | Resolved | 1 - Information C A | Compliance | TRID | Non-Numeric Clerical Error and Post-Consummation Revised Closing Disclosure Delivery Date Test | Resolved-Updated to PCCD - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the non-numeric clerical error and post-consummation revised closing disclosure delivery date test.(XX CFR §XXXX.XX(f)(X)(iv))The post-consummation reason for redisclosure is "non-numeric clerical error" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Changes due to clerical errors. A creditor does not violate §XXXX.XX(f)(X)(i) if the disclosures provided under §XXXX.XX(f)(X)(i) contain non-numeric clerical errors, provided the creditor delivers or places in the mail corrected disclosures no later than XX days after consummation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXX XX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8362674 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065231 | Closed | 2026-02-02 19:16 | 2026-03-27 10:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-TRID: Missing Final Closing Disclosure Per note IR is XX.XXX%. IR on final CD provided reflects XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX: XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7408827 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065231 | Closed | 2026-02-02 17:22 | 2026-03-27 08:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-The Note is Incomplete Calculated Initial P&I Payment Amount $XXX.XX does not match Initial P&I Payment Amount on note provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7407943 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065231 | Closed | 2026-02-02 17:39 | 2026-03-19 20:16 | Resolved | 1 - Information C A | Compliance | State Reg | TX Prohibited Fees Test | Resolved-XX attorney fee is document prep fee. Updated fees in disclosures - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the Regulated Loan License prohibited fees test.The loan contains one or more prohibited fees.Fees not otherwise permitted by law may not be charged or collected in a secondary mortgage loan transaction. Fees not authorized to be charged or collected include, but are not limited to, commitment fees, broker fees that increase the consideration paid by the borrower, pay off statement fees, prepayment penalties, fax fee, courier fees, and escrow management fees. (X XX ADC §X.XXX)A secondary mortgage loan lender may collect the following:Reasonable fees for title examination and preparation of an abstract of title by an attorney who is not an employee of the lender; or a title company or property search company authorized to do business in the state;Premiums or fees for title insurance or title search;Reasonable fees charged to the lender by an attorney who is not a salaried employee of the lender for preparation of the loan documents if the fees are documented by a statement of serviced rendered;Charges prescribed by law that are paid to public officials for determining the existence of and for perfecting, releasing, or satisfying a security interest;Reasonable appraisal fees by an appraiser who is not a salaried employee of the lender;Reasonable cost of a credit report;Reasonable fees for a survey by a registered surveyor who is not a salaried employee of the lender;Premiums received in connection with the sale of credit life insurance, credit accident and health insurance, or other insurance that protects the lender against default;Reasonable fees incurred to comply with a federally mandated program (like a flood zone determination fee) where participation is required by a federal agency;Premiums for property insurance;An administrative fee.(XX Finance Code §XXX.XXX, X XX ADC §X.XXX) Per XX Title-Attorney fee is a prohibited fee. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XX XXXXXXXX XXX XX XXXXXXXX XXXX XXX. XXXXXXX XXXX XX XXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7408113 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065231 | Closed | 2026-02-02 17:39 | 2026-03-16 08:53 | Resolved | 1 - Information C A | Compliance | TRID | TRID Rescission Total of Payments Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Pls see attached PCCD, initial CD and LOX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TRID rescission total of payments test. (XX CFR §XXXX.XX(g)(X)(ii))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than X/X of X percent of the face amount of the note or $XXX, whichever is greater. The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX Per note IR is XX.XXX%. IR on final CD provided reflects XX% Confirm the loan calculations provided are accurate as the incorrect interest rates provided on the Note and the CD are inconsistent. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7408111 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065231 | Closed | 2026-02-02 18:57 | 2026-03-16 08:53 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(XX CFR §XXXX.XX(f)(X)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXXX.XX(f)(X)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXXX.XX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under §XXXX.XX(o)(X) becomes inaccurate, as defined in §XXXX.XX.(B) The loan product is changed, causing the information disclosed under §XXXX.XX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §XXXX.XX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXXX.XX(f)(X)(i) no later than three business days before consummation. Initial CD provided was issued on X/X/XX and the loan closed on X/X/XX. Confirm the initial CD was provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7408708 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065231 | Closed | 2026-02-02 18:57 | 2026-03-16 08:53 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA APR Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TILA APR test. (XX CFR §XXXX.XX(a)(X), (X) , transferred from XX CFR §XXX.XX(a)(X), (X))The annual percentage rate (APR) is XX.XXX%. The disclosed APR of XX.XXX% is not considered accurate because it is more than X/X of X percentage point above or below the APR as determined in accordance with the actuarial method. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7408713 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065231 | Closed | 2026-02-06 16:25 | 2026-03-16 08:53 | Resolved | 1 - Information C A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure APR Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TILA APR test. (XX CFR §XXXX.XX(a)(X), (X) , transferred from XX CFR §XXX.XX(a)(X), (X))The annual percentage rate (APR) is XX.XXX%. The disclosed APR of XX.XXX% is not considered accurate because it is more than X/X of X percentage point above or below the APR as determined in accordance with the actuarial method. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7501092 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065231 | Closed | 2026-01-29 04:27 | 2026-04-02 07:59 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan meets HPML guidelines. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan meets HPML guidelines. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s N/A and the Final Closing disclosure on Pg#'s XX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XXfor the copy of the disclosure. The loan meets HPML guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXXXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7345812 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065231 | Closed | 2026-03-19 19:19 | 2026-03-19 20:16 | Resolved | 1 - Information A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Added New rate lock agreement dated XX/XX/XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXX XXXX XXXX XXXXXXXXX XXXXX XX/XX/XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8228045 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065234 | Closed | 2026-01-28 06:13 | 2026-02-12 04:36 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Requested X month paystub provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Paystubs Less Than X Month Provided Condition Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Pls review uploaded paystubs. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Paystubs Less Than X Month Provided Provide Paystubs Covering the most recent XX-day period. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX X XXXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX XXXX X XXXXX XXXXXXXX XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7326824 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065234 | Closed | 2026-01-28 06:03 | 2026-02-04 23:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Property report uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Document is fully Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-The property report was provided with the file. Xnd mortgage loan amt is not required to be listed on the Property Report. Pls waive this condition. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title Document is missing Provide Title Doc Covering Loan Amount. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7326687 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065234 | Closed | 2026-01-28 07:09 | 2026-01-28 07:19 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s N/A and the Final Closing disclosure on Pg#'s XX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7327691 | N/A | N/A |
| XXXX | XXXX | XXXX | 305062360 | Closed | 2026-01-29 19:49 | 2026-03-04 12:04 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-COC provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Please find the change of circumstance associated with the initial CD - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title policy fee increased from $XXX to $XXX (which was more than a XX% increase), Document Preparation Fee was added to the Initial CD in the amount of $XXX and Title Insurance Binder fee was also added in the amt of $XX. The file did not contain a valid Change of Circumstance for these fee increases. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Duplicate finding<br> Rescinded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The total amount of the XX% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than XX% over the current baseline value of ($X,XXX.XX). The total amount of fees in the XX% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender's Title Policy, Title - Document Preparation Fee, Title Insurance Binder). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The total amount of the XX% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Title - Document Preparation Fee). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). XX% variance - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-XX% fee increase. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The total amount of the XX% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than XX% over the current baseline value of ($X,XXX.XX). The total amount of fees in the XX% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender's Title Policy, Settlement or Closing Fee, Document Preparation Fee, Title Insurance Binder, Title - Document Preparation Fee). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7363503 | N/A | N/A |
| XXXX | XXXX | XXXX | 305062360 | Closed | 2026-01-29 19:49 | 2026-03-04 12:03 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-COC provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Duplicate finding<br> Rescinded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title policy fee increased from $XXX to $XXX (which was more than a XX% increase), Document Preparation Fee was added to the Initial CD in the amount of $XXX and Title Insurance Binder fee was also added in the amt of $XX. The file did not contain a valid Change of Circumstance for these fee increases. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The total amount of the XX% category fees ($X,XXX.XX) has increased by more than XX% over the current baseline value of ($X,XXX.XX). The total amount of fees in the XX% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender's Title Policy, Title - Document Preparation Fee, Title Insurance Binder). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Updates in XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The total amount of the XX% category fees ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Title - Document Preparation Fee). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). XX% variance - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-The total amount of the XX% category fees ($X,XXX.XX) has increased by more than XX% over the current baseline value of ($X,XXX.XX). The total amount of fees in the XX% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender's Title Policy, Settlement or Closing Fee, Document Preparation Fee, Title Insurance Binder, Title - Document Preparation Fee). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Duplicate finding <br> Rescinded - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXXXXXX XXXXXXX<br> XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXX XXXXX XXXXXX XX XXX XX% XXXXXXXX XXXX ($X,XXX.XX) XXX XXXXXXXXX XX XXXX XXXX XX% XXXX XXX XXXXXXX XXXXXXXX XXXXX XX ($X,XXX.XX). XXX XXXXX XXXXXX XX XXXX XX XXX XX% XXXXXXXX XXXXXX XXXXXX ($X,XXX.XX). XXX XXXXXXXXX XXX(X) XXXX XXXXXX XXXXXXXXX XXXX XXXXX XXXXXXXX XXXXXXXXXX XX XXXX XXXX XXXXXXXX XXXXX: (XXXXXX'X XXXXX XXXXXX, XXXXXXXXXX XX XXXXXXX XXX, XXXXXXXX XXXXXXXXXXX XXX, XXXXX XXXXXXXXX XXXXXX, XXXXX - XXXXXXXX XXXXXXXXXXX XXX). XXX XXXXXXXX XX XX XXXXXXXX XXX XXX/XX XXX XXXXXXXX XX X XXX XXX XXXX XXXXXX XXX XX% XXXXXXXX XXXXXXXXX XX XX XXXXXXXX XXXXXX XXXXX XXXXXX X XXX XXXXXXXXXX XX XXXXXXXX XXX XXXXX XX X XXXXX XXXXXXX XXXXXXXXXXXX XXXXXXXXXX XXXX XXX XXXXXXXXX XXX(X) XX XXX XXX(X). (XX XXX XXXX.XX(X)(X)(XX); XX XXX XXXX.XX(X)(X)(XX)). XXXXXXXXX XXXXXXX <br> XXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7363504 | N/A | N/A |
| XXXX | XXXX | XXXX | 305062360 | Closed | 2026-01-29 19:49 | 2026-02-19 09:07 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-COC provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-This finding was originally rescinded as the Credit Report fee increased by less than $X.XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Please waive this condition for the credit report fee increase. The increase noted is due to the LE being required to show this fee rounded to the nearest dollar and the CD requiring it to show as the actual dollar amount. Thank you - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Credit Report Fee increased by $X.XX in initial CD and which is tolerance limit of $X. Rescinding the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXX XXXXXXX XXX XXXXXXXXXX XXXXXXXXX XX XXX XXXXXX XXXXXX XXX XXXXXXXXX XX XXXX XXXX $X.XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7363507 | N/A | N/A |
| XXXX | XXXX | XXXX | 305062360 | Closed | 2026-02-03 12:06 | 2026-02-03 13:31 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Rescission Tolerance | Resolved-Resolved per XX uddates. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The disclosed Total of Payments ($XXX,XXX.XX) is understated by more than the greater of $XXX or X/X of X% of the note amount when compared to the actual Total of Payments of ($XXX,XXX.XX). The difference is ($X,XXX.XX). For loans subject to the right of rescission, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than X/X of X percent of the face amount of the note ($X,XXX.XX) or $XXX, whichever is greater. (XX CFR XXXX.XX(g)(X)(ii)) Total of payments verified - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXX XX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7423807 | N/A | N/A |
| XXXX | XXXX | XXXX | 305062360 | Closed | 2026-02-03 12:06 | 2026-02-03 13:31 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved per XX updates. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); OSC XX(c)(X)(ii)-X) Finance charge verified - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXX XX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7423808 | N/A | N/A |
| XXXX | XXXX | XXXX | 305062360 | Closed | 2026-02-03 12:06 | 2026-02-03 13:31 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-Resolved per LM updates. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge ($XXX,XXX.XX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XX below the actual finance charge. (XX USC Sec. XXXX(i)(X); OSC XX(c)(X)(ii)-X) Finance charge verified - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXX XX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7423810 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065128 | Closed | 2026-02-01 02:19 | 2026-02-26 11:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Post close gap report dated X/X/XX verifies no new debts. <br>- Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXX, or XXXXXXXX) is required within XX business days of closing. Borrower X Gap Credit Report is Missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXX XXX XXXXXX XXXXX X/X/XX XXXXXXXX XX XXX XXXXX. <br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7388499 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065128 | Closed | 2026-02-01 02:19 | 2026-02-26 11:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Post close gap report dated X/X/XX verifies no new debts. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. gap credit attached. - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXX, or XXXXXXXX) is required within XX business days of closing. Borrower X Gap Credit Report is Missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. gap credit attached. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXX XXX XXXXXX XXXXX X/X/XX XXXXXXXX XX XXX XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7388500 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065128 | Closed | 2026-02-01 02:19 | 2026-02-26 11:42 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-XXXX provided with XXX FICO - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX attached showing XXX - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per matrix, Qualifying FICO: Mid score of primary wage earner. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX attached showing XXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX XXXX XXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7388502 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065128 | Closed | 2026-02-02 20:47 | 2026-02-26 11:42 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Sufficient housing history is already present in file, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. here are the mortgage statements for their primary residence, XXXX XXXXXX XXX. I am also attaching the credit report that shows this loan was open on XX/XXXX - Buyer-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Unable to verify borrower XX months primary housing history, Provide LOX if property is F&C or supplement credit report - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXX XXXXXXX XX XXXXXXX XXXXXXX XX XXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX XXXX XXXXXX XXX XXXXXXXX XXXXXXXXX-X.XXX_XXXXX_<br> XXXX XXXXXX XXX XXXXXXXX XXXXXXXXX-X.XXX_XXXXX_<br> XXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7409653 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065128 | Closed | 2026-02-19 11:20 | 2026-02-26 11:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-LOX supports the change to the DTI. - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-Escalated by TM - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The borrower's primary residence on Hooper is a X-unit owner-occupied property. <br> Rental income was calculated using Schedule E and analyzed in accordance with XXXXXXXXX Form XXXX. <br> After depreciation adjustments, the property generates positive net rental income of $Xper month. <br> The full PITI of $X,XXX is included in liabilities and offset by the net rental income derivefrom the XXXX analysis. <br> Because the rental income exceeds the housing expense, the system reflects no net housburden, which is why the front-end ratio appears as X%. <br> We can provide an updated XXXX reflecting the gross housing expense prior to offset if<br> preferred for presentation clarity.<br>The borrower's primary residence is a X-unit owner-occupied property. Rental income idocumented via Schedule E and calculated per agency guidelines. <br> After applying the Schedule E methodology (including depreciation adjustments), the<br> property generates positive net rental income of $XXX per month. <br> The full PITI of $X,XXX is included in liabilities and offset by the calculated net rental<br> income. Because the rental income exceeds the housing expense, the system reflects no housing burden, resulting in a X% front-end ratio. <br> The DTI calculation includes both the primary PITI and the Schedule E rental income. <br> - Buyer-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Audited DTI Exceeds Guideline DTI DTI XX.X% exceeds the guideline max XX%. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX XXX XXXXXX XX XXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX.XXX_XXXXX_<br> XXXXXXXXX.XXX |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%. XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX. XXXX XXXXXXXX XXXXXXX XXX XX XXXXXX. | XXXX | Investment | Refinance | Cash Out - Other | 7703414 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065128 | Closed | 2026-02-01 01:00 | 2026-02-06 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Cleared third party fraud report provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. document attached for review - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report All loans must include a third-party fraud detection report for all borrowers. Report findings must cover standard areas of quality control including, but not limited to: borrower validation, social security number verification, criminal records, and property information (subject property and other real estate owned). All high-level alerts on the report must be addressed by the seller. Missing Third Party Fraud Report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. document attached for review - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXX XXXXX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXXX.XXXXXXXXXX.XXX_XXXXX_<br> XX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7388434 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065128 | Closed | 2026-02-02 10:32 | 2026-02-06 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Full preliminary title provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Title Document is Incomplete For loan amounts ≤ $XXX,XXX, an Owner and Encumbrance Property Report is required. Supplemental report provided only. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXXXX XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XX XXXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7401368 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065128 | Closed | 2026-02-01 02:53 | 2026-02-06 04:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Rate Lock Document is Missing | Resolved-Requested updated lock with updated loan program provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached lock shows XXyr - Seller-XX/XX/XXXX <br>Open-Lock confirmation provided shows loan program as XXXXXX XXXXXXXXX XXXXX XX Yr Fixed. However, the loan qualified with XX year term. Provide updated lock confirmation doc. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached lock shows XXyr - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXX XXXXXXX XXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXX XXXXXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7388532 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065128 | Closed | 2026-02-01 03:52 | 2026-02-06 04:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Requested Senior lien docs provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-XXXXXXXXX will not permit loans in first lien position to contain any risk features that could impact the borrower's ability to repay. Terms of the subject property first lien must be obtained. The following documentation is required: <br> Copy of Note and Deed of Trust/Mortgage. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXX XXXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXX XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7388585 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038896 | Closed | 2026-02-02 03:56 | 2026-03-05 07:52 | Waived | 2 - Non-Material C B | Compliance | State Reg | WA Prohibited Lender Fees Test | Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Waived-The state anti-predatory provisions in the Washington Consumer Loan Act (the "WA APL's") are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL's. Waived. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Waived-The state anti-predatory provisions in the Washington Consumer Loan Act (the "WA APL's") are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL's. Waived. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Waived- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Waived-The state anti-predatory provisions in the Washington Consumer Loan Act (the "WA APL's") are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL's.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Please provide more information - or please waive - Buyer-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the prohibited lender fees test. (WA RCW §XX.XX.XXX)The loan charges a prohibited lender fee. Every licensee may:Agree with the borrower for the payment of fees to third parties other than the licensee who provide goods or services to the licensee in connection with the preparation of the borrower's loan, including, but not limited to, credit reporting agencies, title companies, appraisers, structural and pest inspectors, and escrow companies, when such fees are actually paid by the licensee to a third party for such services or purposes and may include such fees in the amount of the loan. However, no charge may be collected unless a loan is made, except for reasonable fees properly incurred for a credit report and in connection with the appraisal of property by a qualified, independent, professional, third-party appraiser selected by the borrower and approved by the lender or in the absence of borrower selection, selected by the lender.Collect at the time of the loan closing up to but not exceeding forty-five days of prepaid interest.Sell insurance covering real and personal property, covering the life or disability or both of the borrower, and covering the involuntary unemployment of the borrower. WA PROHIBITED LENDER FEES TEST - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXX-XXX XXXXX XXXX-XXXXXXXXX XXXXXXXXXX XX XXX XXXXXXXXXX XXXXXXXX XXXX XXX (XXX "XX XXX'X") XXX XXXXXXXXXX XXXXX XXXXXX XX XXXXX XXXXXX XXX XX XXX XXXXXX XXXXXXXX XXXXXXXXX/XXXXXXXXX XXXXXXXXXX XXXX XXX XX XXX'X. XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXX XXXXX XXXX-XXXXXXXXX XXXXXXXXXX XX XXX XXXXXXXXXX XXXXXXXX XXXX XXX (XXX "XX XXX'X") XXX XXXXXXXXXX XXXXX XXXXXX XX XXXXX XXXXXX XXX XX XXX XXXXXX XXXXXXXX XXXXXXXXX/XXXXXXXXX XXXXXXXXXX XXXX XXX XX XXX'X. XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXX XXXXX XXXX-XXXXXXXXX XXXXXXXXXX XX XXX XXXXXXXXXX XXXXXXXX XXXX XXX (XXX "XX XXX'X") XXX XXXXXXXXXX XXXXX XXXXXX XX XXXXX XXXXXX XXX XX XXX XXXXXX XXXXXXXX XXXXXXXXX/XXXXXXXXX XXXXXXXXXX XXXX XXX XX XXX'X.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7392704 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305038896 | Closed | 2026-03-04 16:09 | 2026-03-05 07:52 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Revised Closing Disclosure Data Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure.These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7932618 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038896 | Closed | 2026-02-02 03:56 | 2026-03-04 16:09 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Counter-This loan failed the TILA right of rescission test. because the per the ROR signed X/XX/XX the cancellation date is X/XX/XX and the disbursement date per final CD is X/XX/XX. The funding date is before the third business day following consummation. Borrower did not get the full recession period. Provide a corrected PCCD reflecting the correct Disbursement Date and Per Diem Date.<br>- Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. The right to cancel date is missing on Notice Of Right To Cancel, pages XXX & XXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX_XXXXX_<br> XXX.XXX_XXXXX_<br> XXXXX XXXXXX XXXXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXX - XXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7392702 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038896 | Closed | 2026-02-02 03:56 | 2026-03-04 15:49 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Counter-Additional clarification requested. Most recent lock confirmation provided is dated X/XX/XX. Confirm if a revised CD was issued between X/XX/XX-X/XX/XX. If so provide the revised CD in order to complete testing. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Please provide more information - or please waive - Buyer-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX - XXXXXXXXXXX.XXX_XXXXX_<br> XXXXX XXXXXX XXXXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7392703 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038896 | Closed | 2026-02-02 02:48 | 2026-02-25 15:12 | Waived | 2 - Non-Material C B | Compliance | TRID | 365 Days Interest Schedule | Waived-Lender has WA Consumer Loan licensees and is exempt from the Washington Usuary provisions.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Rescinded-Xnd lien with Property State in (WA, IN, SC) and Interest Days in Years is XXX Xnd lien with Property State in (WA, IN, SC) and Interest Days in Years is XXX - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXX-XXXXXX XXX XX XXXXXXXX XXXX XXXXXXXXX XXX XX XXXXXX XXXX XXX XXXXXXXXXX XXXXXX XXXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXX XXXX XXXX XXXXXXXX XXXXX XX (XX, XX, XX) XXX XXXXXXXX XXXX XX XXXXX XX XXX XXX XXXX XXXX XXXXXXXX XXXXX XX (XX, XX, XX) XXX XXXXXXXX XXXX XX XXXXX XX XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7392277 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305038896 | Closed | 2026-02-02 03:45 | 2026-02-25 15:01 | Resolved | 1 - Information C A | Compliance | Compliance | Right to cancel process contains multiple deficiencies | Resolved-Corrected ROR forms provided. Disclosures page updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Counter-Both of the copies of the completed Right To Cancel provided in Findings are signed by BX. The completed copy signed by BX is missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Both of the copies of the completed Right To Cancel provided in Findings are signed by BX. The completed copy signed by BX is missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-The right to cancel date is missing on Notice Of Right To Cancel, pages XXX & XXX. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXX XXX XXXXX XXXXXXXX. XXXXXXXXXXX XXXX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX XXX XXXXXX XX XXX XXXXXXXXX XXXXX XX XXXXXX XXXXXXXX XX XXXXXXXX XXX XXXXXX XX XX. XXX XXXXXXXXX XXXX XXXXXX XX XX XX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX_XXXXX_<br> XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7392635 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038896 | Closed | 2026-02-02 03:56 | 2026-03-05 07:52 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Escrow Waiver is on p XXX. The Final Closing disclosure on Pg#'s XX. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Escrow Waiver is on p XXX. The Final Closing disclosure on Pg#'s XX. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XX XXXXXX XXX XXXXXXX XXXX. XXXXXX XXXXXX XX XX X XXX. XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XX XXXXXX XXX XXXXXXX XXXX. XXXXXX XXXXXX XX XX X XXX. XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7392705 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065117 | Closed | 2026-02-02 02:46 | 2026-02-10 02:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXX XXXXX XXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXX (X).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7392252 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038909 | Closed | 2026-02-03 01:37 | 2026-02-04 10:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Open-Housing History Does Not Meet Guideline Requirements EXCEPTION ON PAGE#XXX<br>Exception review - approved to allow no primary housing for borrowers currently<br> residing with family. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | _XXXXX_ |  |  | \*XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> \*XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> \*XXXXXXXX XXX $X,XXX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX.<br>| XXXX | Investment | Refinance | Cash Out - Other | 7410913 | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 305038930 | Closed | 2026-02-03 22:25 | 2026-02-06 00:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM report & updated statement for tradeline #XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Please find the undisclosed debt monitoring for the gap credit along with an updated statement and X% monthly payment used on current balance. Thank you - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Gap Credit Report is Missing The Gap Credit Report is Missing. The XXXX included $XX in "All Other Monthly Payments" however the Gap report is missing and the initial CR does not include that amount. <br> - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXXXX & XXXXXXX XXXXXXXXX XXX XXXXXXXXX #XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7430092 | N/A | N/A |
| XXXX | XXXX | XXXX | 305057787 | Closed | 2026-02-09 07:45 | 2026-02-12 06:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final XXXX provided and income/ debts match. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Upd Final XXXX uploaded for review. - XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-The Final XXXX is Missing The Final XXXX and Loan approval state the total income is $XX,XXX. However, all the XXXX's and Final provided states $XX,XXX.XX. Income discrepancy. Provide clarification of which income was used and provide final executed XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Upd Final XXXX uploaded for review. - XXXXXX-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXX XXXXX XXXX XXXXXXXX XXX XXXXXX/ XXXXX XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXX XXXX (XXXX_XX) - XXX XXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7515004 | N/A | N/A |
| XXXX | XXXX | XXXX | 305057787 | Closed | 2026-02-05 23:26 | 2026-02-12 07:00 | Resolved | 1 - Information A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7482543 | N/A | N/A |
| XXXX | XXXX | XXXX | 305057787 | Closed | 2026-02-05 23:26 | 2026-02-12 06:50 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7482545 | N/A | N/A |
| XXXX | XXXX | XXXX | 305057787 | Closed | 2026-02-05 23:26 | 2026-02-12 06:49 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7482544 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065109 | Closed | 2026-02-08 22:37 | 2026-02-16 22:58 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Requested X Month Paystub Provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-Borrower X Paystubs Less Than X Month Provided Condition Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Pay stubs uploaded for review. - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Paystubs Less Than X Month Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXX X XXXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX XXXX X XXXXX XXXXXXXX XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXX XXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7509633 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065125 | Closed | 2026-02-10 17:05 | 2026-02-17 14:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-DOT dated XX/X/XXXX provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-Note and/or Mortgage of Xst lien is missing from the file. XXXXXXXXXX indicate that one of these documents is required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXXX XX/X/XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7548552 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065125 | Closed | 2026-02-09 06:54 | 2026-02-17 03:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Fraud Report is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-Third Party Fraud Report is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-Third Party Fraud Report Partially Provided We have only X page of third party fraud report, complete fraud report is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXX XXXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7513988 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065127 | Closed | 2026-02-11 11:46 | 2026-03-04 06:12 | Resolved | 1 - Information C A | Credit | Credit | Unable to verify all credit obligations (ATR) | Resolved-Child support agreement states $X,XXX monthly. Added this amount to liabilities. DTI within guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. child support agreement attached - XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-and must be included in the borrower's debt-to-income ratio. File should contain supporting documentation as evidence of the obligation, such as a final divorce decree, property settlement agreement, signed legal separation agreement, or court order. If payments are past due, the arrearages must be brought current prior to loan closing. Child support listed on final XXXX $X,XXX.XX as other liability, missing required documentation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. child support agreement attached - XXXXXX-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXX XXXXXXX XXXXXXXXX XXXXXX $X,XXX XXXXXXX. XXXXX XXXX XXXXXX XX XXXXXXXXXXX. XXX XXXXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXX XXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7564853 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065127 | Closed | 2026-02-10 01:44 | 2026-03-04 06:14 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7530332 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065127 | Closed | 2026-02-10 01:44 | 2026-03-04 06:14 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7530333 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065123 | Closed | 2026-02-11 10:27 | 2026-02-18 07:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-W-X was not issued for XXXX at time of application as the Borrower started their job on X/XX/XXXX. The Written VOE and Borrower's Offer Letter was used to calculate income. A W-X would not be required in this case - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Rebuttal uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower X WX/XXXX Missing Most recent year W-X missing in file - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-X-X XXX XXX XXXXXX XXX XXXX XX XXXX XX XXXXXXXXXXX XX XXX XXXXXXXX XXXXXXX XXXXX XXX XX X/XX/XXXX. XXX XXXXXXX XXX XXX XXXXXXXX'X XXXXX XXXXXX XXX XXXX XX XXXXXXXXX XXXXXX. X X-X XXXXX XXX XX XXXXXXXX XX XXXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_X'XXXXXXX XXXXXX XXXX XXX XX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7562802 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065104 | Closed | 2026-02-12 12:32 | 2026-02-20 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-X year fully executed XXXXC for BX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Executed XXXX-X Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-X Missing Missing Signed XXXX-C (for W-X transcripts only) for wage earner per guidelines. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-X XXXX XXXXX XXXXXXXX XXXXX XXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX-X XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7589546 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065104 | Closed | 2026-02-12 12:32 | 2026-02-20 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 3 Executed 4506-T Missing | Resolved-X year fully executed XXXXC for BX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Executed XXXX-X Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-X Missing Missing Signed XXXX-C (for W-X transcripts only) for wage earner per guidelines. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-X XXXX XXXXX XXXXXXXX XXXXX XXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX-X XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7589547 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065104 | Closed | 2026-02-12 13:18 | 2026-02-20 05:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Origination Note and Deed provided for the Xst lien. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Deephaven will not permit loans in first lien position to contain any risk features that could impact the borrower's ability to repay. Terms of the subject property first lien must be obtained. The following documentation is required: Copy of Note and Deed of Trust/Mortgage. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXX XXXX XXX XXXX XXXXXXXX XXX XXX XXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX_XXXXX_<br> XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7591505 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065104 | Closed | 2026-02-11 03:10 | 2026-02-13 00:47 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The XXXX list XXX as the qualifying FICO. Per the matrix, Qualifying FICO: Mid score of primary wage earner. The primary wage earner is Borrower X (highest income) mid score is XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7553492 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065104 | Closed | 2026-02-11 04:57 | 2026-02-20 10:14 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the XX AB XXX higher-priced mortgage loan test. (XX AB XXX, Xxxxxxxxxx Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Xxxxxxxxxx Financial Code.While the Xxxxxxxxxx Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s N/A and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7554536 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065104 | Closed | 2026-02-11 04:57 | 2026-02-20 10:14 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s N/A and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7554540 | N/A | N/A |
| XXXX | XXXX | XXXX | 305069046 | Closed | 2026-02-12 01:47 | 2026-03-03 07:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Received Right to Cancel w/ cancellation date of X/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Right of Rescission uploaded for review. - Buyer-XX/XX/XXXX <br>Counter-Countering the condition so that the request for the right of rescission is still open.<br> Thank you. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Sorry, you are XXX% correct. I misread the loan information. Right of Rescission has been requested. - Buyer-XX/XX/XXXX <br>Counter-According to the XXXX, rate lock confirmation this is a refinance of a primary residence so a Right to Rescind disclosure is required. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-This is a Xnd home, Right of Rescission does not apply. - Seller-XX/XX/XXXX <br>Open-Right of Rescission is Missing Right to cancel missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-This is a Xnd home, Right of Rescission does not apply. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXX XX XXXXXX X/ XXXXXXXXXXXX XXXX XX X/X/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXXX XX XXXXX XX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7576427 | N/A | N/A |
| XXXX | XXXX | XXXX | 305069046 | Closed | 2026-02-17 12:22 | 2026-02-25 12:02 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Business bank statements provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income Calc WS uploaded for review. - Seller-XX/XX/XXXX <br>Open-Lender income worksheet is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Income Calc WS uploaded for review. - Seller-XX/XX/XXXX<br>| _XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXXX XXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7661109 | N/A | N/A |
| XXXX | XXXX | XXXX | 305069046 | Closed | 2026-02-12 01:21 | 2026-02-25 12:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Business bank statements provided. Audited DTI is now w/in guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Business bank statements uploaded - Buyer-XX/XX/XXXX <br>Open-Audited DTI Exceeds Guideline DTI Audited DTI of XX.XX% exceeds Guideline DTI of XX%. Per underwriter's notes on the XXXX, borrower's Xst lien is paid by the business, however business bank statements were not present in the file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXX XXXXXXXXXX XXXXXXXX. XXXXXXX XXX XX XXX X/XX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXX XXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7576216 | N/A | N/A |
| XXXX | XXXX | XXXX | 305069046 | Closed | 2026-02-11 23:49 | 2026-02-25 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Resolved-Borrower X Business Tax Returns Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller says this is supposed to be a bank statement loan. Bank statements uploaded and I have requested a change to the lock. - Seller-XX/XX/XXXX <br>Open-Borrower X Business Tax Returns Missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Seller says this is supposed to be a bank statement loan. Bank statements uploaded and I have requested a change to the lock. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXXXXXXX XXX XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXX XXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7575679 | N/A | N/A |
| XXXX | XXXX | XXXX | 305047457 | Closed | 2026-02-12 23:45 | 2026-05-14 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Google business search dated X/XX/XX show business active/open. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. SE VOE uploaded for review - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Verification of the existence of the business within XX business days of closing. <br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXX XXXXX X/XX/XX XXXX XXXXXXXX XXXXXX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XX XXX XXXXX XXXXXXXXXX XXXXX, XX - XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7600328 | N/A | N/A |
| XXXX | XXXX | XXXX | 305047457 | Closed | 2026-02-17 08:27 | 2026-04-08 17:17 | Cured | 1 - Information C A | Compliance | Points & Fees | NJ HOSA 2004 High-Cost Home Loan Points and Fees Threshold Test | Cured-Cure documents received. (PCCD, LOE, Copy of check, proof of delivery. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the high-cost home loan points and fees threshold test. (XX AB XX, § X.) , (XX SB XXX, § X.)The total points and fees of this loan, which are $X,XXX.XX, exceed one of the following thresholds based on the total loan amount, which is $XX,XXX.XX:Either the total points and fees exceed X.X% of the total loan amount if the total loan amount is $XX,XXX or more; orThe total points and fees exceed X% of the total loan amount if the total loan amount is $XX,XXX or more but less than $XX,XXX; orThe total points and fees exceed the lesser of X% of the total loan amount or $X,XXX, if the total loan amount is less than $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the high-cost home loan points and fees threshold test. (XX AB XX, § X.) , (XX SB XXX, § X.)The total points and fees of this loan, which are $X,XXX.XX, exceed one of the following thresholds based on the total loan amount, which is $XX,XXX.XX:Either the total points and fees exceed X.X% of the total loan amount if the total loan amount is $XX,XXX or more; orThe total points and fees exceed X% of the total loan amount if the total loan amount is $XX,XXX or more but less than $XX,XXX; orThe total points and fees exceed the lesser of X% of the total loan amount or $X,XXX, if the total loan amount is less than $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the high-cost home loan points and fees threshold test. (XX AB XX, § X.) , (XX SB XXX, § X.)The total points and fees of this loan, which are $X,XXX.XX, exceed one of the following thresholds based on the total loan amount, which is $XX,XXX.XX:Either the total points and fees exceed X.X% of the total loan amount if the total loan amount is $XX,XXX or more; orThe total points and fees exceed X% of the total loan amount if the total loan amount is $XX,XXX or more but less than $XX,XXX; orThe total points and fees exceed the lesser of X% of the total loan amount or $X,XXX, if the total loan amount is less than $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the high-cost home loan points and fees threshold test. (XX AB XX, § X.) , (XX SB XXX, § X.)The total points and fees of this loan, which are $X,XXX.XX, exceed one of the following thresholds based on the total loan amount, which is $XX,XXX.XX:Either the total points and fees exceed X.X% of the total loan amount if the total loan amount is $XX,XXX or more; orThe total points and fees exceed X% of the total loan amount if the total loan amount is $XX,XXX or more but less than $XX,XXX; orThe total points and fees exceed the lesser of X% of the total loan amount or $X,XXX, if the total loan amount is less than $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-I am extremely confusion. How would removing a lender credit, which is giving money from the lender to the borrower, get the loan in tolerance? Money going from the lender to the borrower should not make a loan out of compliance should it? - Buyer-XX/XX/XXXX <br>Counter- - Due Diligence Vendor-XX/XX/XXXX <br>Counter-The Origination Fee of $XXX.XX Lender Credit is being included in the XX HOSA test. A PCCD removing the lender credit would make the loan in tolerance. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the high-cost home loan points and fees threshold test. (XX AB XX, § X.) , (XX SB XXX, § X.)The total points and fees of this loan, which are $X,XXX.XX, exceed one of the following thresholds based on the total loan amount, which is $XX,XXX.XX:Either the total points and fees exceed X.X% of the total loan amount if the total loan amount is $XX,XXX or more; orThe total points and fees exceed X% of the total loan amount if the total loan amount is $XX,XXX or more but less than $XX,XXX; orThe total points and fees exceed the lesser of X% of the total loan amount or $X,XXX, if the total loan amount is less than $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Compliance Report uploaded for review. - Buyer-XX/XX/XXXX <br>Counter-This loan failed the prohibited fees test, provide a lender compliance testing to support fees are not prohibited. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Need clarification on what fees are out of compliance and by how much? - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the high-cost home loan points and fees threshold test. (XX AB XX, § X.) , (XX SB XXX, § X.)The total points and fees of this loan, which are $X,XXX.XX, exceed one of the following thresholds based on the total loan amount, which is $XX,XXX.XX:Either the total points and fees exceed X.X% of the total loan amount if the total loan amount is $XX,XXX or more; orThe total points and fees exceed X% of the total loan amount if the total loan amount is $XX,XXX or more but less than $XX,XXX; orThe total points and fees exceed the lesser of X% of the total loan amount or $X,XXX, if the total loan amount is less than $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXX-XXXX XXXXXXXXX XXXXXXXX. (XXXX, XXX, XXXX XX XXXXX, XXXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXXX X-X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7653265 | N/A | N/A |
| XXXX | XXXX | XXXX | 305047457 | Closed | 2026-02-13 03:39 | 2026-04-08 17:03 | Waived | 2 - Non-Material C B | Compliance | State Reg | NJ Prohibited Fees Test | Waived-Although the fees appears to violate the XX Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Although this fee appears to violate the XX Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Although this fee appears to violate the XX Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cure docs uploaded - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Although this fee appears to violate the XX Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Although the County Property Taxes fee appears to violate the XX Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Although the County Property Taxes fee appears to violate the XX Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected.<br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Compliance Report uploaded for review. - Buyer-XX/XX/XXXX <br>Counter-This loan failed the prohibited fees test, provide a lender compliance testing to support fees are not prohibited. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please clarify what you are asking for on this condition. Are fees out of compliance? If so, which ones and by how much? - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the prohibited fees test.<br> (X.X.S.A. §XX:XXC-XX, X.X.A.C. §§X:XX-X.X)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. This loan failed the prohibited fees test - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXX XXX XXXX XXXXXXX XX XXXXXXX XXX XX XXXXXXXXXX XXXX XXXXXXX, XX XXXX XXX XXXXXX XX XXXX XXX XXXXXXXXX XX XXXXXXXXX XXX XX XXX XXXXXXXX XX XXXXXXXXXXXXXX XX XXX XXXXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXXXXXXX XXXX XXX XXXXXXX XX XXXXXXX XXX XX XXXXXXXXXX XXXX XXXXXXX, XX XXXX XXX XXXXXX XX XXXX XXX XXXXXXXXX XX XXXXXXXXX XXX XX XXX XXXXXXXX XX XXXXXXXXXXXXXX XX XXX XXXXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXXXXXXX XXXX XXX XXXXXXX XX XXXXXXX XXX XX XXXXXXXXXX XXXX XXXXXXX, XX XXXX XXX XXXXXX XX XXXX XXX XXXXXXXXX XX XXXXXXXXX XXX XX XXX XXXXXXXX XX XXXXXXXXXXXXXX XX XXX XXXXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXXXXXXX XXXX XXX XXXXXXX XX XXXXXXX XXX XX XXXXXXXXXX XXXX XXXXXXX, XX XXXX XXX XXXXXX XX XXXX XXX XXXXXXXXX XX XXXXXXXXX XXX XX XXX XXXXXXXX XX XXXXXXXXXXXXXX XX XXX XXXXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXXXXXXX XXX XXXXXX XXXXXXXX XXXXX XXX XXXXXXX XX XXXXXXX XXX XX XXXXXXXXXX XXXX XXXXXXX, XX XXXX XXX XXXXXX XX XXXX XXX XXXXXXXXX XX XXXXXXXXX XXX XX XXX XXXXXXXX XX XXXXXXXXXXXXXX XX XXX XXXXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXXXXXXX XXX XXXXXX XXXXXXXX XXXXX XXX XXXXXXX XX XXXXXXX XXX XX XXXXXXXXXX XXXX XXXXXXX, XX XXXX XXX XXXXXX XX XXXX XXX XXXXXXXXX XX XXXXXXXXX XXX XX XXX XXXXXXXX XX XXXXXXXXXXXXXX XX XXX XXXXXXXX XXXX XXXXXXXX.<br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXXX X-X.XXX_XXXXX_<br> XXXXXXX XXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7602304 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305047457 | Closed | 2026-02-13 03:39 | 2026-04-08 17:03 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7602308 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065098 | Closed | 2026-02-17 12:36 | 2026-02-24 14:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Tax return calculation supports $XXX net income for XXXX XXXXX. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br> Open-Rental income from another property owned prior to loan application should be calculated using the borrower's federal tax return (Cash Flow Analysis of Schedule E). Missing proof of $XXXX rental income as positive net income $XXX was used for XXXX XXXXXX and rental income calculator worksheet. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXX XXXXXXXXXXX XXXXXXXX $XXX XXX XXXXXX XXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXX (XXXXXXXX XXX XXXXXXX) (X).XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7661340 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065098 | Closed | 2026-02-13 05:21 | 2026-02-24 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Verbal Verification of Employment (VVOE) completed within XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7604523 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065098 | Closed | 2026-02-13 07:31 | 2026-02-17 13:28 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This will resolve once COC for changes in fees provided. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. This loan failed the reimbursement amount validation test. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7607326 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065098 | Closed | 2026-02-13 07:31 | 2026-02-17 13:28 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Section C fees were transferred to section B in Initial CD, changed circumstance for all the fees moved required.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). Section C fees are being transferred to section B in Initial CD, changed circumstances is required - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7607327 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065098 | Closed | 2026-02-13 07:31 | 2026-02-24 14:03 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XX Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XX Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7607328 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065098 | Closed | 2026-02-13 07:31 | 2026-02-24 14:03 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XX Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XX Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7607325 | N/A | N/A |
| XXXX | XXXX | XXXX | 305036235 | Closed | 2026-02-15 10:26 | 2026-03-30 10:37 | Resolved | 1 - Information C A | Compliance | Mavent | Late: Amount | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-We are not exceeding XX% of the installment ($XXX.XX). Monthly payment is $X,XXX.XX.<br>XXXXX.X. (a) A charge imposed for late payment of an installment due on a loan secured by a mortgage or deed of trust on real property shall not exceed an amount equal to XX percent of the installment due, except that a minimum charge of five dollars ($X) may be imposed when the late charge permitted by this section would otherwise be less than that minimum charge.<br> The charge permitted by this section may be assessed only as a percentage of the increment of any installment due that is attributable to principal and interest.<br> - Buyer-XX/XX/XXXX <br>Open-The ($XXX.XX) late fee amount, the (X.X%) late fee percent, or the ($XXX.XX) maximum late fee amount exceed the threshold. Under the California Real Estate Law, a late fee cannot exceed the greater of XX% of the installment due that is attributable to principal and interest or $X. (Cal. Bus. & Prof. Code XXXXX.X) Confirmed this is state based finding. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7625258 | N/A | N/A |
| XXXX | XXXX | XXXX | 305036235 | Closed | 2026-02-15 10:41 | 2026-02-17 10:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page #XXXX is made for to allow use of X bank accounts is approved. Borrower began using an additional account (XXX XXXX) for receipt of business income. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXX XXXX XXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXX XXXX #XXXX XX XXXX XXX XX XXXXX XXX XX X XXXX XXXXXXXX XX XXXXXXXX. XXXXXXXX XXXXX XXXXX XX XXXXXXXXXX XXXXXXX (XXX XXXX) XXX XXXXXXX XX XXXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | X. XXX XX X.XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> X. XXXXXXXX(X) XXXX X.XX XXXXXXXX (XXXXXXXXX X/X XXXXXX) X X XXXXXXX XXXXXXXXXXX..<br> X. XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX.<br>| XXXX | Primary Residence | Refinance | Cash Out - Other | 7625292 | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 305065215 | Closed | 2026-02-17 22:17 | 2026-02-18 01:07 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX-XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XX in file. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. <br> XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX-XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'XX XX XXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7670458 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065215 | Closed | 2026-02-17 22:16 | 2026-02-18 01:07 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX-XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XX in file. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. <br> XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX-XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'XX XX XXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7670454 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065216 | Closed | 2026-02-14 22:01 | 2026-02-24 00:50 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard insurance policy includes, XX% replacement cost, Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-There is XX% replacement cost (please read under guaranteed replace cost) - Due Diligence Vendor-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XXXXXXXX, XX% XXXXXXXXXXX XXXX, XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'XX') - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7623787 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065103 | Closed | 2026-02-20 07:39 | 2026-02-27 05:05 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Dwelling coverage covers Replacement cost. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Documentation of adequate hazard insurance coverage is required. When determining the acceptable coverage amount, the unpaid principal balance of all existing liens against the subject property should be used. Dwelling coverage $XXX,XXX xX.X replacement cost coverage= $XXX,XXX + other structures $XX,XXX= $XXX,XXX. Xst lien UPB $XXX,XXX + Xnd lien $XX,XXX= $XXX,XXX total liens. Dwelling coverage $XXX,XXX is less than total liens $XXX,XXX. Missing replacement cost estimate from insurer. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXX XXXXXX XXXXXXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXX (X).XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7719724 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065103 | Closed | 2026-02-13 22:09 | 2026-02-27 05:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Requested flood certificate provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Missing Flood Certificate. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXX XXXXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXX XXXX (X).XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7621296 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065103 | Closed | 2026-02-13 19:04 | 2026-02-24 03:33 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX document provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7621062 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065103 | Closed | 2026-02-13 22:56 | 2026-02-23 09:23 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7621413 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038931 | Closed | 2026-02-20 17:36 | 2026-02-24 11:43 | Resolved | 1 - Information D A | Credit | Credit | Payment Letter is missing | Resolved-Lender provided fully executed payment letter. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Please find the first payment letter attached. Thank you - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-First payment letter is missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXXXXX XXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7732826 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038931 | Closed | 2026-02-17 03:37 | 2026-02-24 03:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Please find the KX's for both borrower showing both have ownership in coborrowers business along with the se voe for both attached. Thank you - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Verification of Employment for Borrower X Additional Business Income & Borrower X Business Income Missing in File. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7646443 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038931 | Closed | 2026-02-17 04:10 | 2026-02-24 03:35 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-UDM report uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-please find the UDM ending at close for both borrowers - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Gap Report is not within XX Business Days of closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7646960 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038931 | Closed | 2026-02-17 04:10 | 2026-02-24 03:35 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-UDM report uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Please find the undisclosed debt monitoring ended day of closing attached for both borrowers - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Gap Report is not within XX Business Days of closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7646959 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038931 | Closed | 2026-02-17 05:13 | 2026-02-20 17:40 | Waived | 2 - Non-Material B | Compliance | Mavent | NJ Fee Not Allowed- Flood Certification Fee (Fee ID: 102) | Waived-The XXX XXXXXX Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Flood Certification Fee (Fee ID: XXX) to be charged to the Borrower in XX. Although this fee appears to violate the XX Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. Finding waived. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXX XXX XXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXX XXX (X.X. XXX. XXXX. XX:XXX-XX; X.X. XXX X:XX-X.X) XXXX XXX XXXXX XXXXX XXXXXXXXXXXXX XXX (XXX XX: XXX) XX XX XXXXXXX XX XXX XXXXXXXX XX XX. XXXXXXXX XXXX XXX XXXXXXX XX XXXXXXX XXX XX XXXXXXXXXX XXXX XXXXXXX, XX XXXX XXX XXXXXX XX XXXX XXX XXXXXXXXX XX XXXXXXXXX XXX XX XXX XXXXXXXX XX XXXXXXXXXXXXXX XX XXX XXXXXXXX XXXX XXXXXXXX. XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7648389 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305038931 | Closed | 2026-02-17 05:13 | 2026-02-17 05:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7648392 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065111 | Closed | 2026-02-17 17:28 | 2026-02-23 01:29 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX Document uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX uploaded for review. - XXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. In XXXX borrower has bonus income also, where as in XXXX it is not reflecting, and XXXX is the latest than XXXX doc according to the print date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7665413 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065097 | Closed | 2026-02-24 13:50 | 2026-03-02 03:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Missing complete fraud report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7785687 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065097 | Closed | 2026-02-19 04:46 | 2026-03-02 03:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing Gap credit report - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7692418 | N/A | N/A |
| XXXX | XXXX | XXXX | 305057793 | Closed | 2026-03-11 05:49 | 2026-03-18 09:26 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the updated corrective final CD - XXXXXX-XX/XX/XXXX <br>Open-The disclosed finance charge ($XXX,XXX.XX) is ($XX.XX) below the actual finance charge ($XXX,XXX.XX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XX below the actual finance charge. (XX USC Sec. XXXX(i)(X); OSC XX(c)(X)(ii)-X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the updated corrective final CD - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8040213 | N/A | N/A |
| XXXX | XXXX | XXXX | 305057793 | Closed | 2026-03-11 05:49 | 2026-03-18 09:26 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Unknown Fees - Finance Charge (Fee ID: 999) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached updated final CD. - Buyer-XX/XX/XXXX <br>Open-The XXX XXXXXX Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Unknown Fees - Finance Charge (Fee ID: XXX) to be charged to the Borrower in XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8040212 | N/A | N/A |
| XXXX | XXXX | XXXX | 305057793 | Closed | 2026-02-18 22:36 | 2026-03-18 09:26 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Sewer (Fee ID: 998) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The charge listed as "Sewer Balance" in the Prepaids section of the Final Closing Disclosure is not an unexplained or improper fee. This amount represents a utility balance associated with the property that must be satisfied at closing.<br>In a refinance transaction, the title company performs a search to identify any outstanding municipal utility balances or potential utility liens tied to the property. If a sewer balance is identified, the lender requires that it be paid through closing proceeds to ensure the new mortgage is recorded in first lien position with clear title.<br>The amount is therefore disclosed in the Prepaids section because the closing agent collects the funds at closing and remits payment to the appropriate sewer or municipal authority. This is a standard closing practice and is necessary to clear any property-related obligations prior to the refinance being finalized. That whyit passed the complaince report - Buyer-XX/XX/XXXX <br>Open-The Sewer fee $XXX.XX paid by borrower at closing is still present on the CD Provided. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached report and final CD, and we are passing. Please clear this finding. - Seller-XX/XX/XXXX <br>Open-Sewer fee $XXX.XX paid by borrower on Final CD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXX XXXXXX Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Sewer (Fee ID: XXX) to be charged to the Borrower in XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attached report and final CD, and we are passing. Please clear this finding. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXX XX.XXX_XXXXX_<br> XX.XXX_XXXXX_<br> XX.XXX_XXXXX_<br> XX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7690482 | N/A | N/A |
| XXXX | XXXX | XXXX | 305057793 | Closed | 2026-02-18 22:36 | 2026-03-18 09:26 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Inspection Fee (Fee ID: 79) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Per the Final Closing Disclosure, the borrower had already paid the fee upfront prior to closing and was reimbursed under the Owner's Title Policy tolerance in Section J of the CD. Please clear this finding. - Buyer-XX/XX/XXXX <br>Open-The inspection fee $XX is still showing as borrower paid on the CD provided. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached report and final CD, and we are passing. Please clear this finding. - Seller-XX/XX/XXXX <br>Ready for Review-disregard last comment - Seller-XX/XX/XXXX <br>Ready for Review- This condition is an EVX, so we can simply acknowledge the immaterial grade. - Seller-XX/XX/XXXX <br>Open-The XXX XXXXXX Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Inspection Fee (Fee ID: XX) to be charged to the Borrower in XX. Inspection Fee $XX POC paid by borrower on Final CD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached report and final CD, and we are passing. Please clear this finding. - Seller-XX/XX/XXXX <br>Ready for Review-disregard last comment - Seller-XX/XX/XXXX <br>Ready for Review- This condition is an EVX, so we can simply acknowledge the immaterial grade. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXX XX.XXX_XXXXX_<br> XX.XXX_XXXXX_<br> XX.XXX_XXXXX_<br> XXXX XXXXXXXXX.XXX_XXXXX_<br> XX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7690481 | N/A | N/A |
| XXXX | XXXX | XXXX | 305057793 | Closed | 2026-02-18 22:36 | 2026-03-18 09:25 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Appraisal Desk Review Fee (Fee ID: 135) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXX XXXXXX Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Appraisal Desk Review Fee (Fee ID: XXX) to be charged to the Borrower in XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached report and final CD, and we are passing. Please clear this finding. - Buyer-XX/XX/XXXX <br>Open-The XXX XXXXXX Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Appraisal Desk Review Fee (Fee ID: XXX) to be charged to the Borrower in XX. Appraisal Desk Review Fee $XX.XX POC paid by borrower listed on Final CD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXX XX.XXX_XXXXX_<br> XX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7690483 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065079 | Closed | 2026-02-19 04:32 | 2026-03-03 06:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud Report provided, no issues. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report All loans must include a third-party fraud detection report for all borrowers. Report findings must cover standard areas of quality control including, but not limited to: borrower validation, social security number verification, criminal records, and property information (subject property and other real estate owned). All high-level alerts on the report must be addressed by the seller. Missing fraud report. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXX XXXXXXXX, XX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7692323 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065079 | Closed | 2026-02-23 15:09 | 2026-03-03 06:27 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-One Mortgage opened X/XX per credit supplement, X mos reviewed. Xst lien XX months payment history provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Missing XX month mortgage history for One mortgage x XXXX paid off in the transaction. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXX XXXXXX X/XX XXX XXXXXX XXXXXXXXXX, X XXX XXXXXXXX. XXX XXXX XX XXXXXX XXXXXXX XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXXX - XXXX XXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7765879 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065079 | Closed | 2026-02-19 03:40 | 2026-03-03 02:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Legal Documents for senior lien are missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-XXXXXXXXXX will not permit loans in first lien position to contain any risk features that could impact the borrower's ability to repay. Terms of the subject property first lien must be obtained. The following documentation is required: Missing the Copy of Note and Deed of Trust/Mortgage & missing the Copy of the final CD from the first lien XXXXXX xXXXX recent transaction. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXXX XXX XXXXXX XXXX XXX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX (XXX XXXX).XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7691972 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065079 | Closed | 2026-02-19 04:00 | 2026-03-03 02:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-IRS transcripts are missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X IRS Transcripts Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X IRS Transcripts Missing XXXX, XXXX years IRS transcripts are missing in file. Per G/Ls dated XX/XX require signed and processed IRS Form XXXX-X (full XXXX transcripts capturing all schedules); - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXXXXX XXX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXXXX XXXX - XXXXX.XXX_XXXXX_<br> XXX XXXXXXXXXX XXXX-XXXX - XXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7692103 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065079 | Closed | 2026-02-19 05:15 | 2026-03-03 06:33 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the XX XXX higher-priced mortgage loan test. (XX XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'XX. Rate lock date was entered correctly – see Pg#'s XXX, XXX-XXX. An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XXX-XXX. Confirmation the appraisal was delivered to the borrower – see Pg#'s XX, XX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX. XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXXX XXXXXXX XXXXXXXXXX XX XX#'XX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX, XXX-XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX'X XXXX XX XXX XXXX#XXX-XXX. XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX, XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7692723 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065079 | Closed | 2026-02-19 05:15 | 2026-03-03 06:33 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'XX. Rate lock date was entered correctly – see Pg#'s XXX, XXX-XXX. An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XXX-XXX. Confirmation the appraisal was delivered to the borrower – see Pg#'s XX, XX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX. XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXXX XXXXXXX XXXXXXXXXX XX XX#'XX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX, XXX-XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX'X XXXX XX XXX XXXX#XXX-XXX. XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX, XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7692724 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065131 | Closed | 2026-02-20 08:23 | 2026-02-23 08:23 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7720684 | N/A | N/A |
| XXXX | XXXX | XXXX | 305057780 | Closed | 2026-02-21 22:26 | 2026-03-17 15:34 | Resolved | 1 - Information C A | Compliance | Interest:DaysInYear | South Carolina - Days Used For Interest Calculation | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Final CD shows XXX day interest calculation of $XX.XX - Due Diligence Vendor-XX/XX/XXXX <br>Open-The Days in Year Number used to calculate the interim interest is (XXX.X). The XXXXX XXXXXXXX Consumer Protection Code requires XXX days, or XXX in a leap year, used for the interest calculation. (S.C. Code Ann. XX-X-XXX(X)) Second lien. The Days in Year Number used to calculate the interim interest is (XXX.X). The XXXXX XXXXXXXX Consumer Protection Code requires XXX days, or XXX in a leap year, used for the interest calculation. (S.C. Code Ann. XX-X-XXX(X)). May be cured if the client refunds the fee violation and provides XXXXXX a copy of the check, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7740595 | N/A | N/A |
| XXXX | XXXX | XXXX | 305057780 | Closed | 2026-02-21 22:26 | 2026-03-05 15:40 | Waived | 2 - Non-Material C B | Compliance | Mavent | Interest: DaysInYear | Waived-SC allows for the use of the XXX-day method when calculating the finance charge for a month or the year, and to use a XXX-day approach when calculating a per diem.- Please note that the purchasing investor may be responsible for the refund. Waived. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Waived-SC allows for the use of the XXX-day method when calculating the finance charge for a month or the year, and to use a XXX-day approach when calculating a per diem.- Please note that the purchasing investor may be responsible for the refund. Waived. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Final CD shows XXX day interest calculation of $XX.XX - Due Diligence Vendor-XX/XX/XXXX <br>Open-The Interest Days in Year used to calculate the interest is (Periodic XXX). The XXXXX XXXXXXXX Consumer Protection Code requires XXX days used for the interest calculation. (S.C. Code Ann. XX-X-XXX(X)) Second lien. The Interest Days in Year used to calculate the interest is (Periodic XXX). The XXXXX XXXXXXXX Consumer Protection Code requires XXX days used for the interest calculation. (S.C. Code Ann. XX-X-XXX(X)) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XX XXXXXX XXX XXX XXX XX XXX XXX-XXX XXXXXX XXXX XXXXXXXXXXX XXX XXXXXXX XXXXXX XXX X XXXXX XX XXX XXXX, XXX XX XXX X XXX-XXX XXXXXXXX XXXX XXXXXXXXXXX X XXX XXXX.- XXXXXX XXXX XXXX XXX XXXXXXXXXX XXXXXXXX XXX XX XXXXXXXXXXX XXX XXX XXXXXX. XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XX XXXXXX XXX XXX XXX XX XXX XXX-XXX XXXXXX XXXX XXXXXXXXXXX XXX XXXXXXX XXXXXX XXX X XXXXX XX XXX XXXX, XXX XX XXX X XXX-XXX XXXXXXXX XXXX XXXXXXXXXXX X XXX XXXX.- XXXXXX XXXX XXXX XXX XXXXXXXXXX XXXXXXXX XXX XX XXXXXXXXXXX XXX XXX XXXXXX. XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7740596 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065096 | Closed | 2026-02-26 07:26 | 2026-03-11 05:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Senior lien Note and Deed provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-XXXXXXXXX will not permit loans in first lien position to contain any risk features that could impact the borrower's ability to repay. Terms of the subject property first lien must be obtained. The following documentation is required: Copy of Note and Deed of Trust/Mortgage. Missing the Deed of Trust for the senior lien. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXX XXXX XXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX.XXX_XXXXX_<br> XXXXX_XXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7821041 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065096 | Closed | 2026-02-26 07:25 | 2026-03-03 06:14 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-The initial XXXX provided executed by borrower and originator dated X/X/XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Plaees review upload - Seller-XX/XX/XXXX <br>Open-The initial XXXX is unexecuted by all parties. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Plaees review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXX XXXX XXXXXXXX XXXXXXXX XX XXXXXXXX XXX XXXXXXXXXX XXXXX X/X/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX_XXXXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7821009 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065096 | Closed | 2026-02-22 05:18 | 2026-03-03 06:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final XXXX is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Missing Final XXXX is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX-XX (X).XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7741251 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065096 | Closed | 2026-02-22 06:40 | 2026-03-02 05:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Full report provided, OFAC checks for alerts in the initial file. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. in file at time of submission - Seller-XX/XX/XXXX <br>Open-Third Party Fraud Report Partially Provided All loans must include a third-party fraud detection report for all borrowers, guarantors, and all members of each Borrowing Entity. Report findings must cover standard areas of quality control including, but not limited to: borrower/guarantor validation, social security number verification, entity validation, criminal records, and property information (subject property and other real estate owned). All high-level alerts on the report must be addressed by XXXXXXXXX. Missing Fraud Report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. in file at time of submission - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXX XXXXXXXX, XXXX XXXXXX XXX XXXXXX XX XXX XXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7741400 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065105 | Closed | 2026-03-16 13:39 | 2026-04-02 15:18 | Resolved | 1 - Information C A | Compliance | TRID | FCD: The projected P&I payment does not match the Loan Terms payment in document | Resolved-Updated Note provided with P&I $XXXX.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated note and final cd attached - Seller-XX/XX/XXXX <br>Open-The Note P&I $X,XXX.XX matches the Final CD P&I. However, it does not match the calculated P&I X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. updated note and final cd attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXX X&X $XXXX.XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXX XXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXXXXXX X-XX-XX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 8136120 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065105 | Closed | 2026-02-23 23:24 | 2026-03-16 12:57 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Requested X month rent proof provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. $XXXX monthly payment shown on XX/XX/XX - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Missing current housing history for borrowers renting at XXXX XXXXX XXX renting $XXXX. Missing one month proof. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. $XXXX monthly payment shown on XX/XX/XX - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX X XXXXX XXXX XXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX X. XXXXXXX XXXXXXXX XXXX XXXXXXXXX XXXXXXX XXXXXX XXXXXXX XXX XXXX XXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7772235 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065105 | Closed | 2026-02-23 23:38 | 2026-03-16 12:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Requested fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached<br> - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report All loans must include a third-party fraud detection report for all borrowers, guarantors, and all members of each Borrowing Entity. Report findings must cover standard areas of quality control including, but not limited to: borrower/guarantor validation, social security number verification, entity validation, criminal records, and property information (subject property and other real estate owned). All high-level alerts on the report must be addressed by XXXXXXXXX. Missing Fraud Report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached<br> - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7772307 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065105 | Closed | 2026-02-26 08:11 | 2026-03-16 12:47 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-The policy explanation provided verifies equal to XXX% replacement cost of the home. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. we have what we need.. please see attached - Seller-XX/XX/XXXX <br>Counter-The document provided states the insured coverage is at least equal to XXX% estimated replacement cost. The form does not state what the Replacement cost is. Missing Replacement cost estimate. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Documentation of adequate hazard insurance coverage is required. When determining the acceptable coverage amount, the unpaid principal balance of all existing liens against the subject property should be used. All liens total UPB $XXX,XXX, dwelling coverage $XXX,XXX. Missing replacement cost or dwelling coverage to support all liens. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. we have what we need.. please see attached - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXX XXXXX XX XXX% XXXXXXXXXXX XXXX XX XXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXX XXXXX XXXXXXX XXX XXX.XXX_XXXXX_<br> XXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7822096 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065105 | Closed | 2026-02-26 10:18 | 2026-03-11 06:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Deed verifies date of transaction, mortgage statement used for interest rate. Ok to move forward - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. borrower does not have access to note - it was from XXXX. We provided DOT, mortgage statement and credit report. This shows us all information we needed. Please waive this condition - Buyer-XX/XX/XXXX <br>Open-XXXXXXXXX will not permit loans in first lien position to contain any risk features that could impact the borrower's ability to repay. Terms of the subject property first lien must be obtained. The following documentation is required: Copy of Note and Deed of Trust/Mortgage. Missing senior lien Note and Deed.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX XXXX XX XXXXXXXXXXX, XXXXXXXX XXXXXXXXX XXXX XXX XXXXXXXX XXXX. XX XX XXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXX_XXXXXXXXX_XXX XXXXXXXXX XX .XXX_XXXXX_<br> XXX - XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7825422 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065105 | Closed | 2026-02-24 03:24 | 2026-03-06 09:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-BX VVOE's for all business received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. if you scroll down on the document provided you will see the verification for both "missing ones" - Buyer-XX/XX/XXXX <br>Counter-Missing business VOE's for XXXX XXXXXX XXXXXX, XXXXXXXX XXX XXX, XXXXXXXX XXX XXX and XXXXXXXXX XXX for Borrower X. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing BX has multiple businesses. Missing CPA/VOE Verification of the existence of all businesses within XX business days of closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XX XXXX'X XXX XXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX X. XXXXXXX XXX XXXX.XXX_XXXXX_<br> XXXXXXXX.XXX_XXXXX_<br> XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7774143 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065105 | Closed | 2026-02-24 03:24 | 2026-03-06 09:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VVOE's dated X/XX/XX for BX's businesses XXXXXXX XX XX XXX, XXXXXXXX XXXXXXX, XXXXXX XXXXXXXXXX and XXXXX XXXXX XX XXXXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing BX has multiple businesses. Missing CPA/VOE Verification of the existence of all businesses within XX business days of closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX'X XXXXX X/XX/XX XXX XX'X XXXXXXXXXX XXXXXXX XX XX XXX, XXXXXXXX XXXXXXX, XXXXXX XXXXXXXXXX XXX XXXXX XXXX XX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX X. XXXXXXX XXX XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7774142 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065222 | Closed | 2026-03-17 00:51 | 2026-03-18 00:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Requested Lock Agreement provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-lock is attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Lock confirmation is missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8143279 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065225 | Closed | 2026-03-02 08:15 | 2026-03-04 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Undisclosed Debt monitoring in lieu of gap credit report - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7872014 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065225 | Closed | 2026-03-02 08:15 | 2026-03-04 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Undisclosed Debt Monitoring - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7872015 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065220 | Closed | 2026-02-24 23:31 | 2026-03-04 03:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Social Security Benefit Statement uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Award Letter Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Please find the SSI documents for the borrower attached. Thank you - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Award Letter Missing Social security of $X,XXX.XX is used to qualify by BX but Social Security letter is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXX XXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7792470 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065220 | Closed | 2026-02-25 01:25 | 2026-03-04 09:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page N/A and the Final Closing disclosure on page XX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XX. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX comment - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page N/A and the Final Closing disclosure on page XX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XX. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7793093 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065088 | Closed | 2026-03-02 17:09 | 2026-03-09 15:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Borrower X Gap Credit Report is Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7884003 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065088 | Closed | 2026-02-25 03:59 | 2026-03-09 03:57 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Replacement Cost Estimator uploaded, Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX.X, Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX.X or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXX.XX and Guaranteed Replacement Coverage indicator is 'No' Dwelling coverage of $XXX,XXX is less than the combined loan amounts (Xst lien UPB $XXX,XXX.XX +Loan amount $XXX,XXX = $X,XXX,XXX.XX). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | <br> x000D_ | XXXXXXXX-XXXXXXXXXXX XXXX XXXXXXXXX XXXXXXXX, XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX.X, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX.X XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'XX') - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7793933 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065101 | Closed | 2026-02-25 04:06 | 2026-03-11 07:53 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are me.XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, Confirmed from Final Closing disclosure on Pg#XX. Rate lock date was entered correctly see Pg#'s Finding . An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#XX-XX the appraisal disclosure was provided to the borrower(s) Pg#XXX, XX and copy of the appraisal was given to the borrower see Pg# XXX, XX for the copy of the disclosure. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are me.XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, Confirmed from Final Closing disclosure on Pg#XX. Rate lock date was entered correctly see Pg#'s Finding . An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#XX-XX the appraisal disclosure was provided to the borrower(s) Pg#XXX, XX and copy of the appraisal was given to the borrower see Pg# XXX, XX for the copy of the disclosure. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached rate lock confirmation. please clear this condition - XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are me.XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, Confirmed from Final Closing disclosure on Pg#XX. Rate lock date was entered correctly see Pg#'s missing . An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#XX-XX the appraisal disclosure was provided to the borrower(s) Pg#XXX, XX and copy of the appraisal was given to the borrower see Pg# XXX, XXfor the copy of the disclosure. Missing accurate Final Rate Lock confirmation as rate locks in file do not show the current terms. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | <br> x000D_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XX.XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX, XXXXXXXXX XXXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX#'X XXXXXXX . XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XX-XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X) XX#XXX, XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XXX, XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XX.XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX, XXXXXXXXX XXXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX#'X XXXXXXX . XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XX-XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X) XX#XXX, XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XXX, XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX XXXX XXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7793997 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065101 | Closed | 2026-02-25 03:11 | 2026-03-11 07:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-UDM within XX business days. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX <br>Counter-Credit Supplement only details mortgages, not all debts. Provide a gap report within XX days of closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - XXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXXX, or XXXXXXXXX) is required within XX business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within XX days of closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | <br> x000D_ | XXXXXXXX-XXX XXXXXX XX XXXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXX.XXX_XXXXX_<br> XXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7793641 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065101 | Closed | 2026-02-25 03:11 | 2026-03-11 07:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Monitoring ends X/XX/XX, no notifications received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX <br>Counter-Credit Supplement only details mortgages, not all debts. Provide a gap report within XX days of closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXXX, or XXXXXXXXX) is required within XX business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within XX days of closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXX X/XX/XX, XX XXXXXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXX.XXX_XXXXX_<br> XXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7793640 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065101 | Closed | 2026-02-26 14:48 | 2026-03-02 05:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-The Final rate lock with terms used in the transaction provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Missing final rate lock verifying final current terms. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXX XXXX XXXX XXXX XXXXX XXXX XX XXX XXXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX XXXX XXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7832012 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065200 | Closed | 2026-03-13 05:34 | 2026-03-13 07:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.X%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page XX was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page and the Final Closing disclosure on page XX-XX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX-XX, the appraisal disclosure was provided to the borrower(s)- see pageXX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | <br> x000D_ | XXXXXXXX-XXX XXXX'X (X.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.X%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.X%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XX-XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXXXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8091459 | N/A | N/A |
| XXXX | XXXX | XXXX | 305061501 | Closed | 2026-03-16 14:05 | 2026-03-18 13:15 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-RCE is $XXX,XXX . Dwelling has sufficient coverage to cover RCE - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard coverage should include both the Xst and Xnd liens and the file did not include replacement coverage estimate.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | <br> x000D_ | XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'XX') - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8136669 | N/A | N/A |
| XXXX | XXXX | XXXX | 305061501 | Closed | 2026-03-11 07:03 | 2026-03-16 14:23 | Resolved | 1 - Information A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-This loan failed the XXXX right of rescission test.Closed-end (XX XXX §XXXX.XX(a)(X) , transferred from XX XXX §XXX.XX(a)(X)), Open-end (XX XXX §XXXX.XX(a)(X) , transferred from XX XXX §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX XXX §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Right to cancel signed on XX/XX/XXXX cancel date is on XX/XX/XXXX. Disbursement date is on XX/XX/XXXX hence rescinded the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | <br> x000D_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXX XXXX XXXXXX XXX XXXX XXXXX XX XXXXXXXXXX XXXX.XXXXXX-XXX (XX XXX §XXXX.XX(X)(X) , XXXXXXXXXXX XXXX XX XXX §XXX.XX(X)(X)), XXXX-XXX (XX XXX §XXXX.XX(X)(X) , XXXXXXXXXXX XXXX XX XXX §XXX.XX(X)(X))XXX XXXXXXX XXXX XX XXXXXX XXX XXXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXXXXX.XXX XXXXXXXX XXX XXXXXXXX XXX XXXXX XX XXXXXXX XXXXX XXXXXXXX XX XXX XXXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXXXXX, XXXXXXXX XX XXX XXXXXX XXXXXXXX XX XX XXX §XXXX.XX XX §XXXX.XX, XX XXXXXXXX XX XXX XXXXXXXX XXXXXXXXXXX, XXXXXXXXX XXXXXX XXXX. XXXXX XX XXXXXX XXXXXX XX XX/XX/XXXX XXXXXX XXXX XX XX XX/XX/XXXX. XXXXXXXXXXXX XXXX XX XX XX/XX/XXXX XXXXX XXXXXXXXX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8042973 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065102 | Closed | 2026-03-06 09:20 | 2026-03-06 18:39 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Event Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX <br>Open-The PCCD provided is dated X/XX/XX same date as Final CD. The PCCD event date cannot be the same as Final CD. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the XXXX Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7973436 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065102 | Closed | 2026-03-06 18:35 | 2026-03-06 18:39 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the XXXX disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | <br> x000D_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7982722 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065102 | Closed | 2026-03-06 09:20 | 2026-03-06 18:36 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-The PCCD provided is dated X/XX/XX same date as Final CD. PCCD date should be after Final CD date. The PCCD delivery date is missing. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7973438 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065102 | Closed | 2026-03-06 09:20 | 2026-03-06 18:36 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Revised Closing Disclosure Date and Consummation Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-The PCCD provided is dated X/XX/XX same date as Final CD. PCCD date should be after Final CD date. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID post-consummation revised closing date and consummation date validation test.This loan contains a post-consummation revised closing disclosure delivery date that is before the consummation date, or closing/settlement date if consummation date was not provided. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7973437 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065102 | Closed | 2026-02-26 01:44 | 2026-03-06 09:27 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Disbursement date X/XX/XX after cancel date X/XX/XX acceptable. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PCCD uploaded - Buyer-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XXX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XXX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Right to Cancel forms state cancel date X/XX/XX, same day as Disbursement date X/XX/XX. The borrower has until midnight X/XX/XX to cancel. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXXX XXXX X/XX/XX XXXXX XXXXXX XXXX X/XX/XX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7816221 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065102 | Closed | 2026-02-26 00:10 | 2026-03-05 14:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Flood cert uploaded - Seller-XX/XX/XXXX <br>Open-Missing Flood Certificate Missing flood certificate. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Flood cert uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX - XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7815873 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065102 | Closed | 2026-03-03 10:44 | 2026-03-05 11:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-Document Uploaded. Exception uploaded - Buyer-XX/XX/XXXX <br>Open-Delinquent Credit History Does Not Meet XXXXXXXXX Requirements per XXXXXXXXXX, Mortgage history XxXXxXX. Northop x XXXX HELOC late XxXXx XX, late XX/XX. Missing exception. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXXXXXXXXX XXXXXXXXX XXXXXXX (XXXX).XXX |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> XXXXXXX XXX XXXX XXXX XXXXXXXX XXXXXXX XXX XX XXXXXX. | XXXX | Primary Residence | Refinance | Cash Out - Other | 7899913 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065196 | Closed | 2026-03-12 05:25 | 2026-03-27 02:58 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Requested updated appraisal document with PUD checkbox provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-corrected appraisal - Due Diligence Vendor-XX/XX/XXXX <br>Open-DOT has a PUD rider. Appraisal provided does not reflect the property as a PUD. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXX XXXX XXX XXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8066521 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065196 | Closed | 2026-03-12 04:42 | 2026-03-16 09:39 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXX and the Final Closing disclosure on Pg#XX CES loan have no escrow. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page#XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure. The loan meets HPML XXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XX XXX XXXX XXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX#XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8065799 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065196 | Closed | 2026-03-12 04:42 | 2026-03-16 09:39 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXX and the Final Closing disclosure on Pg#XX CES loan have no escrow. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page#XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure. The loan meets HPML XXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XX XXX XXXX XXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX#XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8065804 | N/A | N/A |
| XXXX | XXXX | XXXX | 305057788 | Closed | 2026-04-02 08:17 | 2026-04-02 09:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Updated entry, finding cleared - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(o)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXX, XXXXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8452753 | N/A | N/A |
| XXXX | XXXX | XXXX | 305057788 | Closed | 2026-04-02 08:17 | 2026-04-02 09:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Updated entry, finding cleared - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XXX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXX, XXXXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8452754 | N/A | N/A |
| XXXX | XXXX | XXXX | 305054378 | Closed | 2026-03-04 09:29 | 2026-03-15 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Verified taxes $XXXX.XX + ins $XXX.XX + P&I $X,XXX.XX= $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. per lender - Monthly impound amount $ XXXX.XX actual $XXXX.XX difference is $XX.XX - Buyer-XX/XX/XXXX <br>Open-Missing proof of non- escrowed amount $XX.XX for XXXX X XXXXXXXXX XX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXX $XXXX.XX + XXX $XXX.XX + X&X $X,XXX.XX= $X,XXX.XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXXX XXXXXXXX XXXXXXX XXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7920447 | N/A | N/A |
| XXXX | XXXX | XXXX | 305054378 | Closed | 2026-03-05 10:27 | 2026-03-15 10:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Final rate lock provided verifies X.X% , $XXXk loan amount - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Missing Final Rate lock confirmation with final rate per Note. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXX XXXX XXXXXXXX XXXXXXXX X.X% , $XXXX XXXX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX XXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7948301 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065108 | Closed | 2026-03-03 12:38 | 2026-03-27 05:32 | Resolved | 1 - Information C A | Credit | Credit | Deficient non-subject rental income documentation. | Resolved-Settlement statement for XXXX Arlington provided and XX% used for rent calculation resulting in - XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The rental income calculation used was: $X,XXX.XX x XX% = $X,XXX.XX - $X,XXX.XX = ($XXX.XX)<br> Attached is the Final Settlement Statement for the new loan XX closed under loan #XXXXXXXXXX - XXXXXXXX was paid off, not XX. - Seller-XX/XX/XXXX <br>Counter-Missing how XXXX Arlington $-XXX.XX was calculated. Provide detail calculation or explanation of this as it showing a loss. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Missing how lender calculated other REO $-XXX.XX. $XXXX- $XXXX rent= $XXX positive. Missing proof XX Mortgage xXXXX $XXXX.XX, $XXX,XXX was paid off to exclude from rent calculation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-The rental income calculation used was: $X,XXX.XX x XX% = $X,XXX.XX - $X,XXX.XX = ($XXX.XX)<br> Attached is the Final Settlement Statement for the new loan XX closed under loan #XXXXXXXXXX - XXXXXXXX was paid off, not XX. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXXX XXX XXXX XXXXXXXXX XXXXXXXX XXX XX% XXXX XXX XXXX XXXXXXXXXXX XXXXXXXXX XX - XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXX-X XXXXXX (XX).XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7903284 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065108 | Closed | 2026-03-03 12:03 | 2026-03-15 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-ALA short form title provided with all required information. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Plesae review upload - Buyer-XX/XX/XXXX <br>Open-Title Document is Incomplete Missing insured amount on Title document. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX XXXX XXXXX XXXXXXXX XXXX XXX XXXXXXXX XXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XX XXXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7902340 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065108 | Closed | 2026-03-03 11:42 | 2026-03-15 11:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final rate lock confirmation provided that supports final terms - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Missing Final Rate lock. Rate lock in file states LTV/CLTV XX.XXX%, X.XXX% rate, XXXk loan amount. Final loan amount $XXXk, X.XXX% per Final XXXX and Note, LTV/ CLTV XX.XXX%/XX.XXX% - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7901579 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065077 | Closed | 2026-03-02 22:59 | 2026-03-16 14:58 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-X/XX/XX LE was not sent to the borrower per disclosure tracking. Clarification received only the initial CD is X/XX/XX. Updated TRID disclosures and re-ran compliance. Compliance resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (XX CFR §XXXX.XX(e)(X)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXX.XX(f)(X)(i). The consumer must receive a revised version of the disclosures required under §XXXX.XX(e)(X)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §XXXX.XX(e)(X)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. The Revised LE is dated X/XX/XX (also missing receipt signature date) is dated the same day as the Initial Closing Disclosure X/XX/XX, less than X business days prior to consummation date. Clarification is required if the Revised LE dated X/XX/XX was sent to the customer and is valid or not. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-X/XX/XX XX XXX XXX XXXX XX XXX XXXXXXXX XXX XXXXXXXXXX XXXXXXXX. XXXXXXXXXXXXX XXXXXXXX XXXX XXX XXXXXXX XX XX X/XX/XX. XXXXXXX XXXX XXXXXXXXXXX XXX XX-XXX XXXXXXXXXX. XXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXXXXXXX XXXXXXXXX X XX XX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7888156 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065077 | Closed | 2026-03-02 23:23 | 2026-03-16 14:53 | Resolved | 1 - Information B A | Credit | Doc Issue | Condo / PUD rider Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-PUD rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PUD rider uploaded. - Seller-XX/XX/XXXX <br>Open-Condo / PUD rider Missing PUD rider is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. PUD rider uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXX XXXXXXXXXX XXX XXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7888303 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065077 | Closed | 2026-03-02 22:59 | 2026-03-16 14:53 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. The Revised LE is dated X/XX/XX (also missing receipt signature date) is dated the same day as the Initial Closing Disclosure X/XX/XX, less than X business days prior to consummation date. Clarification is required if the Revised LE dated X/XX/XX was sent to the customer and is valid or not. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXXXXXXX XXXXXXXXX X XX XX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7888162 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065218 | Closed | 2026-03-02 03:08 | 2026-03-05 18:19 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Replacement cost provided in Findings: XXXXXXX_X.PDF which equals the Hazard Insurance Coverage Amount. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please find a certification for the RCE attached. Thank you - Due Diligence Vendor-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX.XX and Guaranteed Replacement Coverage indicator is 'N/A'. The Xst lien $XXX,XXX.XX + Xnd lien of $XXX,XXX = combined total of $XXX,XXX.XX. Coverage required for combined total. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXX XXXX XXXXXXXX XX XXXXXXXX: XXXXXXX_X.XXX XXXXX XXXXXX XXX XXXXXX XXXXXXXXX XXXXXXXX XXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'X/X') - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7866256 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065218 | Closed | 2026-03-02 02:56 | 2026-03-05 18:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-UDM provided in Findings: XXXXXXX_X.PDF. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please find the undisclosed debt monitoring for both borrowers attached in lieu of a gap credit report. Thank you - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide Gap Report within XX Business Days Missing in File. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX XX XXXXXXXX: XXXXXXX_X.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7866197 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065218 | Closed | 2026-03-02 02:56 | 2026-03-05 18:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM provided in Findings: XXXXXXX_X.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please find the undisclosed debt monitoring for both borrowers attached in lieu of a gap credit report. Thank you - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide Gap Report within XX Business Days Missing in File. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX XX XXXXXXXX: XXXXXXX_X.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7866196 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065090 | Closed | 2026-03-05 12:48 | 2026-03-31 16:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VOE Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX <br>Counter-Please review the guidelines for self employed borrowers using business bank statements calculation as income. Below are the required documentation for business bank statement income calculations.<br> X.X.X DOCUMENTATION <br> The following documentation is required to utilize business bank statements for income: <br> X) XX months complete business bank statements from the same account (transaction history printouts are not acceptable) <br> X) XXXX in lieu of XX months business bank statements, if applicable <br> X) Required Expense Statement documentation applicable to Calculation Option chosen (see X.X.X Calculating Qualifying Income for requirements) <br> X) Verification borrower is minimum XX% owner of business: <br> o Ownership percentage must be documented via CPA letter, Operating Agreement, or equivalent. <br> o All non-borrowing owners of the business must provide a signed and dated letter acknowledging the transaction and confirming the borrower's access to the account for income-related purposes. <br> o Qualifying Income must be multiplied by the ownership percentage to determine the owner's portion of income allowed for the transaction. <br> X) XXXXXXXXX Self-Employed Business Narrative Form (or equivalent) <br> X) Verification borrower has owned and business has been in existence for X years <br> X) Verification of business existence required within XX business days of closing <br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX <br>Counter-The self employment income used is business bank statements. X.X BUSINESS BANK STATEMENT DOCUMENTATION & X.X.X DOCUMENTATION: Verification of business existence required within XX business days of closing. The letter provided does not state business is active and open within XX business days of closing.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Verification of business existence required within XX business days of closing. Missing for both businesses All XXXXXXXXX and X&X XXXXXXXXXXX.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXX XXXXXXXX.XXX_XXXXX_<br> XXXX - XXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7951360 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065090 | Closed | 2026-03-05 12:13 | 2026-03-11 05:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate lock provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Missing final rate lock confirmation with terms used in the transaction. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXX XXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7950633 | N/A | N/A |
| XXXX | XXXX | XXXX | 305054692 | Closed | 2026-02-27 03:53 | 2026-03-06 14:44 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. ??? PCCD shows disbursement date of X/XX. - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. RTC cancel date should be X day before of the disbursment date. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7840212 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065122 | Closed | 2026-03-04 18:31 | 2026-03-18 17:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided PCCD with corrected appraised value provided. PC XX is elevated, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Requesting clarification on appraised value. Final CD, XXXX and XXXX reflect value as X.X mm. Per appraisal value is X,XXX,XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX: XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXXX XXXXXXXXX XXXXX XXXXXXXX. XX XX XX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXXXX XXXX XXXX XXXXXXXXX XXXXX XXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7934519 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065122 | Closed | 2026-03-03 00:52 | 2026-03-13 02:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing BX Gap Report - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XX XXXX XX XXX XXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXXXX XXX XXXXXX XXXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7888889 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065122 | Closed | 2026-03-03 00:52 | 2026-03-13 02:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing BX Gap Report - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXX XX XXXX XX XXX XXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXXXX XXX XXXXXX XXXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7888888 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065197 | Closed | 2026-03-10 10:06 | 2026-03-25 16:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-XX approves exception. Comp Factors: XXX FICO, XX mos reserves, XxXX XX mos on mortgage. - Buyer-XX/XX/XXXX <br>Escalated-Escalating for XX Visibility - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-exemption approval - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited Loan Amount of $XXXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXXX Audited Loan Amount of $XXX,XXX is less than the XXXXXXXXX Minimum Loan Amount of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX X.XX%.<br> XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8023641 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065159 | Closed | 2026-03-10 11:51 | 2026-03-18 03:59 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-LOX provided stating adding additional coverage to dwelling. Meets the requirement. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-EMAIL FROM AGENT RE RCE - Due Diligence Vendor-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Current loan amount and first lien unpaid principal balance is $XXX,XXX but dwelling coverage under hazard insurance is $XXX,XXX. There was not a replacement cost estimate in the file.<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX XXXXXXX XXXXXX XXXXXXXXXX XXXXXXXX XX XXXXXXXX. XXXXX XXX XXXXXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8026279 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065159 | Closed | 2026-03-10 11:44 | 2026-03-17 02:15 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Requested updated XXXX with updated FICO of XXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-UPDATED XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO is XXX, however FICO score used per XXXX is XXX. Provide updated XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXX XXXXXXX XXXX XX XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8026081 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065159 | Closed | 2026-03-10 12:15 | 2026-03-10 12:25 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s XX, XXX and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXX XXXXXX, XXXXXX XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XX, XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8027436 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065175 | Closed | 2026-03-12 19:30 | 2026-03-24 17:26 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Email from hazard insurance provider confirming XXX% provided. Property insurance page updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-ERC - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Counter-The percentage amount is not displayed in the loan package<br> Provide<br> Full ERC endorsement form B-XXX.XX-B showing the %<br> A full dec page <br> Agent/carrier letter that states the ERC % or confirms GRC - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Policy contains expanded cost coverage: Expanded restoration cost (ERC) coverage—often referred to as Extended Replacement Cost—is an insurance endorsement providing extra funds (typically XX%–XXX% above the policy limit) to rebuild a home after a total loss. It protects against surging labor and material costs, ensuring the dwelling is fully restored - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Counter-Insurance documentation provided reflects Expanded Restoration Cost Coverage; however, the endorsement does not specify the percentage of extended coverage. Please provide the full endorsement form or an updated declarations page that clearly lists the applicable Expanded Restoration Cost percentage to confirm property has sufficient hazard insurance coverage. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-PLS WAIVE. POLICY CONTAINS EXPANDED RESTORATION COST COPVERAGE - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX (Xst and Xnd lien amounts combined) Replacement Cost Estimator is not Provided by Insurer - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'XX') - XXXXX XXXX XXXXXX XXXXXXXXX XXXXXXXX XXXXXXXXXX XXX% XXXXXXXX. XXXXXXXX XXXXXXXXX XXXX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8085717 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065175 | Closed | 2026-03-10 02:56 | 2026-03-17 01:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-AFC guidelines do not require a gap credit report hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-PLS WAIVE. AFC DOES NOT REQUIRE - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open-Borrower X Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXXXX-XXX XXXXXXXXXX XX XXX XXXXXXX X XXX XXXXXX XXXXXX XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8012542 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065175 | Closed | 2026-03-10 03:37 | 2026-03-12 19:38 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX, XX for the copy of the disclosure and delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX, XX XXX XXX XXXX XX XXX XXXXXXXXXX XXX XXXXXXXX XXXXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8012785 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065183 | Closed | 2026-03-10 02:52 | 2026-03-27 17:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Acknowledged-XX Acknowledged - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-please review XXXXXXXX for Managerments exceptoin - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Escalated-XX approves exception. Comp Factors - XX mos reserves, XxXX XX mos mtg history, $XXk residual income - Buyer-XX/XX/XXXX _xXXXXD_<br> Escalated-Escalating for XX Visibility - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Unable to Resolve-Correspondent lender provided exception. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Please accept exception in the file. We review to the Sellers guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Unable to Resolve-Correspondent lender approves exception. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open-Audited FICO is less than Guideline FICO As per the guideline dated XX-XX-XXXX, the minimum required FICO score is XXX. Borrower's qualifying FICO score is XXX is below the guideline requirement. - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXXXXX-XX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XX XXXXXX XXXXXXXX<br> XXXX XX XXXXXX XXX XXXXXXX<br> $XXX XXXXXXXX XXXXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8012531 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065183 | Closed | 2026-03-09 23:50 | 2026-03-20 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-XXXX attached - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Counter-The XXXX is missing from the loan package provided for audit. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-XXXX was already provided. see docs accepted - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open-The XXXX document is missing from the loan file. Missing XXXX - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8011660 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065183 | Closed | 2026-03-10 02:06 | 2026-03-19 08:42 | Waived | 2 - Non-Material C B | Compliance | State Reg | NJ Discount Fee Test | Waived-Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-NJ has several statutes/citations regarding allowable fees. Of the statutes cited in this suspense, only N.J.S.A. §XX:XXC-XX seems applicable but is specific to Discount Points (DP): ((X) The licensee may charge and receive no more than three discount points computed as a percentage of the principal amount of the secondary mortgage loan...)_xXXXXD_<br> _xXXXXD_<br> The DP's (.XX%) on this loan did NOT exceed the X% limitation and thus isn't valid for this transaction - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open-This loan failed the discount fee test. (N.J.S.A. §XX:XXC-XX, N.J.A.C. §§X:XX-X.X)The loan charges a discount fee that exceeds X% of the principle amount of the loan. Fired because there is a points fee and an origination fee charged to the borrower. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXX-XXXXXXXX XXXX XXX XXXXXXX XX XXXXXXX XXX XX XXXXXXXXXX XXXX XXXXXXX, XX XXXX XXX XXXXXX XX XXXX XXX XXXXXXXXX XX XXXXXXXXX XXX XX XXX XXXXXXXX XX XXXXXXXXXXXXXX XX XXX XXXXXXXX XXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8012306 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065183 | Closed | 2026-03-10 02:06 | 2026-03-13 16:27 | Waived | 2 - Non-Material B | Compliance | State Reg | NJ Prohibited Fees Test | Waived-This loan failed the prohibited fees test.<br> (N.J.S.A. §XX:XXC-XX, N.J.A.C. §§X:XX-X.X)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXX-XXXX XXXX XXXXXX XXX XXXXXXXXXX XXXX XXXX.<br> (X.X.X.X. §XX:XXX-XX, X.X.X.X. §§X:XX-X.X)XXX XXXX XXXX XXXXXX XXX(X) XXX XXXXXXXX XXX XX XXXX XXX, XXXXX XX XXXXXXXXXX.X XXXXXXXXX XXXXXX XXXXX XXX XXXXXXXX XXX X XXXXXX'X XX XXXXXX'X XXX; XXXXXXXXXX; XXXXXXX; XXXX; XXXXXXX; XXXXXXX; XX XXX XXXXX XXXXX XX XXXXX XXXXX XXXX XXX XXXXXXX XXXXXXXXXX XX XXXX XXX.X XXXXXXXXX XXXXXX XXXXX XXXX XXXXXXXXX XX XXXXXXX XXXX XXX XXXXXXXXX:(X) XX XXXX XXXX XXXXX XXXXXXXX XXXXXX;(X) XXXXXXXXXX XXXXXXXX XXXX XX XXX XXXX XXX XXXXXXXXX XX XXX XXXX;(X) XXXXX XXXXXXXXXXX, XXXXXXXX XX XXXXX, XXXXXX, XXX XXXXX XXXXXXXXX;(X) XXXXXX XXXXXX XXX;(X) XXXXXXXXX XXX;(X) XXXXXXXXX XXXX;(X) XXXXXXXXXXX XXX;(X) XXXXXXXX XXXXX XXX XXX XX XXXXXX $XX, X XXXX XXXXXX XXX XX XXXXXX X% XX XXX XXXX XXXXXXX, XXX(X) XX XXXX-XXX XXXXX, XXX XXXXXX XX XX XXXXXX XXX XX $XX XX X% XX XXX XXXX XX XXXXXX. XXXXXXXX XXXX XXX XXXXXXX XX XXXXXXX XXX XX XXXXXXXXXX XXXX XXXXXXX, XX XXXX XXX XXXXXX XX XXXX XXX XXXXXXXXX XX XXXXXXXXX XXX XX XXX XXXXXXXX XX XXXXXXXXXXXXXX XX XXX XXXXXXXX XXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8012307 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065183 | Closed | 2026-03-10 02:06 | 2026-03-13 16:29 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, XXX and copy of the appraisal was given to the borrower – see Pg#'s XX, XX, for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX, XX, XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8012308 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065181 | Closed | 2026-03-10 20:46 | 2026-03-30 17:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Unable to Resolve-Loan exception reviewed by the client. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-please review managements exception on XXXXXXXX - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Escalated-XXXXXXXXX approves exception. Comp Factor- XXX FICO, XxXX XX mos. - Buyer-XX/XX/XXXX _xXXXXD_<br> Escalated-Internal exception approval escalated. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Loan amount is $XX,XXX. Per Guidelines minimum loan amount is $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXX XXXX<br> XXXX XX XXX. | XXXX | Primary Residence | Refinance | Cash Out - Other | 8034742 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065181 | Closed | 2026-03-10 20:40 | 2026-03-19 00:35 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-Requested Master insurance policy provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HO-X Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-MASTER POLICY - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing HO-X Master Insurance Policy - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXX XXXXXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XX-X XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8034724 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065181 | Closed | 2026-03-10 20:36 | 2026-03-18 03:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-HOA Questionnaire not required per GL's. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-we have not been requiring any of them on these XXX seconds per our UW XXXXXXXXXX. Can you pls escalate - Due Diligence Vendor-XX/XX/XXXX <br>Open-HOA Questionnaire is Missing or Partial. Missing HOA Questionnaire - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXXXXXXX XXX XXXXXXXX XXX XX'X. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8034721 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065181 | Closed | 2026-03-10 21:28 | 2026-03-13 14:21 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg# XXX, An interior and exterior appraisal was completed for this property – see pg#XX, per the other considerations section of Initial LE issued within X business days from the application date, the appraisal disclosure was provided to the borrower(s)- and confirmation the appraisal was delivered to the borrower – see Pg#XX, XX. The loan meets HPML XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX# XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXX XXX XXXXX XXXXXXXXXXXXXX XXXXXXX XX XXXXXXX XX XXXXXX XXXXXX X XXXXXXXX XXXX XXXX XXX XXXXXXXXXXX XXXX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#XX, XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8034817 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065170 | Closed | 2026-03-13 09:59 | 2026-03-17 09:12 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-UPDATED XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-Qualifying FICO on XXXX does not match Qualifying FICO per XXXXXXXXXX. Please confirm the correct Qualifying FICO. The qualifying FICO is XXX, however the FICO per XXXX is XXX. Provide updated XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8099525 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065174 | Closed | 2026-03-05 09:00 | 2026-03-09 07:38 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Credit Report is Incomplete | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review- we only needed X score and borrower has all X - Due Diligence Vendor-XX/XX/XXXX <br>Open-Only one Fico score provided for co-borrower - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7944607 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065180 | Closed | 2026-03-09 09:55 | 2026-03-09 11:56 | Resolved | 1 - Information C A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Resolved-Corrections made in XX - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXX XXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7999637 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065180 | Closed | 2026-03-03 02:46 | 2026-03-24 11:38 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML XXXXXXXXXX. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-THIS IS NOT HPML. PLS WAIVE - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML XXXXXXXXXX." <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#XXX XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#XXX XXX XXXX XXXXX XXXX XXXXXXXXXX." <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7889561 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065165 | Closed | 2026-03-03 05:20 | 2026-03-24 16:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-XX approves exception. Comp Factors: XXX FICO, $Xk residual incomve - Seller-XX/XX/XXXX <br>Escalated-Escalating for XX visibility - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited DTI Exceeds XXXXXXXXX DTI Audited DTI XX.XX% exceeds XXXXXXXXX DTI max of XX.XX%. - Due Diligence Vendor-XX/XX/XXXX | Escalated-XX approves exception. Comp Factors: XXX FICO, $Xk residual incomve - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXX XXXX<br> $XX XXXXXXXX XXXXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7892243 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065165 | Closed | 2026-03-03 04:19 | 2026-03-13 01:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Gap Report not required on XXX - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-PLS WAIVE. NO LONGER REQUIRED - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing Borrower X Gap Credit Report - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXX XXXXXXXX XX XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7890226 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065165 | Closed | 2026-03-03 04:19 | 2026-03-13 01:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap Report not required on XXX - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-PLS WAIVE. XXX DOES NOT REQUIRE - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing Borrower X Gap Credit Report - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXX XXXXXXXX XX XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7890225 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065172 | Closed | 2026-03-04 03:50 | 2026-03-08 08:45 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX provided w/ FICO of XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-UPDATED XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The qualifying FICO is XXX, however the FICO per XXXX is XXX. The FICO scores do not match. Provide updated XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX X/ XXXX XX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7913326 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065169 | Closed | 2026-03-03 03:47 | 2026-03-03 03:54 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XX and the Final Closing disclosure on Pg#'s XX reflects escrows. Rate lock date was entered correctly – see Pg#'s XX, XXX An interior and exterior appraisal was completed for this property – see pg XX the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XX and copy of the appraisal was given to the borrower – see Pg#'s XX, XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX, XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX, XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7889971 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065168 | Closed | 2026-03-03 02:18 | 2026-04-07 15:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-XX approves exception. Comp Factors:<br>XXX Representative credit score exceeds the minimum required of XXX by XX points<br> XX.X% LTV is below the maximum XX% LTV by XX.X%. - Buyer-XX/XX/XXXX <br>Escalated-XX approves exception. Comp Factors:<br> XXX Representative credit score exceeds the minimum required of XXX by XX points<br> XX.X% LTV is below the maximum XX% LTV by XX.X%. - Buyer-XX/XX/XXXX <br>Escalated-Escalating for XX Visbility - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Lender provided approved exception for DTI is exceeding guideline maximum DTI. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-INTERNAL EXCEPTION - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% Verified DTI is exceeding guideline maximum DTI, hence required Exception on DTI up to XX% with compensating factors. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> XX.X% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.X%. | XXXX | Primary Residence | Refinance | Cash Out - Other | 7889374 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065168 | Closed | 2026-03-06 12:34 | 2026-03-25 16:13 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7977618 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065168 | Closed | 2026-03-06 12:34 | 2026-03-25 16:11 | Resolved | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7977617 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065168 | Closed | 2026-03-03 02:27 | 2026-03-25 16:08 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Updated Finance charges per Final CD. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(o)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. Confirmed loan failed TILA finance charge test. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXX XXXXXXX XXX XXXXX XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7889434 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065168 | Closed | 2026-03-03 02:27 | 2026-03-25 16:07 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Updated Finance charges per Final CD. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. Confirmed loan failed TILA finance charge test. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXX XXXXXXX XXX XXXXX XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7889438 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065168 | Closed | 2026-03-06 12:34 | 2026-03-25 16:05 | Resolved | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-I'll need more information on this one. Initially disclosed XX% fees (Doc Prep,Title Policy, & Recording) totalled $X,XXX making max XX% $X,XXX and we only charged $XXX.XX? <br>Additionally, I'll need to know how they're calculating the Finance Charge since It appears that all PPFC's are included in our calculations and AFC calc of Actual/XXX is correct method. . - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7977619 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065168 | Closed | 2026-03-03 02:27 | 2026-03-13 11:47 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-his loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX , and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-his loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX , and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX , and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7889435 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065206 | Closed | 2026-03-06 10:34 | 2026-03-23 15:32 | Acknowledged | 2 - Non-Material C B | Credit | Credit | Deficient Income Documentation | Acknowledged-XX Acknowledged. - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-XX approves exception. Comp Factors: XXX FICO, XX mos reserves, $XX,XXX residual income. - Buyer-XX/XX/XXXX <br>Escalated-Escalated per management. Request for guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please see attached rebuttal on this item - Due Diligence Vendor-XX/XX/XXXX <br>Open-According to correspondent guidelines for loans approved w/ Notes Receivable income a two year history of payment is required. Bank statements for one year were present. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7975046 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065162 | Closed | 2026-03-04 00:12 | 2026-03-06 11:42 | Waived | 2 - Non-Material B | Compliance | ComplianceEase | Nonrefundable Prepaid Finance Charge Test | Waived-This loan failed the nonrefundable prepaid finance charge test. (Ind. Code § XX-X.X-X-XXX(X))The loan's nonrefundable prepaid finance charge exceeds:X% of the note amount or line of credit for loans prior to July X, XXXX; orX% of the note amount or line of credit for loans on or after July X, XXXX. A non-supervised loan, non-depository lender, junior lien, the lender can charge more than X% if the excess amount is refundable if the consumer prepays the loan<br>Please note that the purchasing investor may be responsible for the refund.<br> "<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXXX XXXX XXXXXX XXX XXXXXXXXXXXXX XXXXXXX XXXXXXX XXXXXX XXXX. (XXX. XXXX § XX-X.X-X-XXX(X))XXX XXXX'X XXXXXXXXXXXXX XXXXXXX XXXXXXX XXXXXX XXXXXXX:X% XX XXX XXXX XXXXXX XX XXXX XX XXXXXX XXX XXXXX XXXXX XX XXXX X, XXXX; XXX% XX XXX XXXX XXXXXX XX XXXX XX XXXXXX XXX XXXXX XX XX XXXXX XXXX X, XXXX. X XXX-XXXXXXXXXX XXXX, XXX-XXXXXXXXXX XXXXXX, XXXXXX XXXX, XXX XXXXXX XXX XXXXXX XXXX XXXX X% XX XXX XXXXXX XXXXXX XX XXXXXXXXXX XX XXX XXXXXXXX XXXXXXX XXX XXXX<br>XXXXXX XXXX XXXX XXX XXXXXXXXXX XXXXXXXX XXX XX XXXXXXXXXXX XXX XXX XXXXXX.<br> "<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7912097 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065160 | Closed | 2026-03-03 01:48 | 2026-03-17 08:32 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review- XXX is the correct qualifying FICO - we don't even have a XXX FICO on the loan - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The qualifying FICO is XXX, however the FICO per XXXX page is XXX. Provide updated XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7889131 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065178 | Closed | 2026-03-18 05:11 | 2026-03-25 07:10 | Cured | 1 - Information C A | Compliance | State Reg | NJ Discount Fee Test | Cured-PCCD, LOX, p roof of delivery and refund check for $XXX was provided to cure finding - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-cure docs - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Escalated-The New Jersey Department of Banking and Insurance has confirmed that an "origination fee" that is calculated as a percentage of the loan amount and payable only at closing is considered the functional equivalent of "discount points." This fee is capped at X% ($X,XXX) of the loan amount.<br> In this file, the origination fee of $X,XXX exceeds the allowable cap by $XXX.<br> This violation may be cured if the client refunds the excess amount and provides XXXXXX with the following documentation:<br> • Copy of the refund check<br> • PCCD<br> • Letter of Explanation (LOE)<br> • Proof of delivery<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-NJ has several statutes/citations regarding allowable fees. Of the statutes cited in this suspense, only N.J.S.A. §XX:XXC-XX seems applicable but is specific to Discount Points (DP): ((X) The licensee may charge and receive no more than three discount points computed as a percentage of the principal amount of the secondary mortgage loan. we did not charge dp's<br>- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter-The New Jersey Department of Banking and Insurance has acknowledged that an "origination fee" is calculated as a percentage of the loan amount and payable only at closing functionally meets the definition of "discount points." This fee is capped at X%($X,XXX) of the loan amount. The origination fee of $X,XXX is over the X% cap by $XXX. This may be cured if the client refunds the fee violation and provides XXXXXX a copy of the check, PCCD, LOE, and proof of delivery. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The New Jersey Department of Banking and Insurance has acknowledged that an "origination fee" is calculated as a percentage of the loan amount and payable only at closing functionally meets the definition of "discount points." This fee is capped at X%($X,XXX) of the loan amount. The origination fee of $X,XXX is over the X% cap by $XXX. This may be cured if the client refunds the fee violation and provides XXXXXX a copy of the check, PCCD, LOE, and proof of delivery.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the discount fee test. (N.J.S.A. §XX:XXC-XX, N.J.A.C. §§X:XX-X.X)The loan charges a discount fee that exceeds X% of the principle amount of the loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXX-XXXX, XXX, X XXXX XX XXXXXXXX XXX XXXXXX XXXXX XXX $XXX XXX XXXXXXXX XX XXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8179262 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065178 | Closed | 2026-03-03 02:09 | 2026-03-18 05:12 | Resolved | 1 - Information C A | Compliance | State Reg | NJ Discount Fee Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-NJ has several statutes/citations regarding allowable fees. Of the statutes cited in this suspense, only N.J.S.A. §XX:XXC-XX seems applicable but is specific to Discount Points (DP): ((X) The licensee may charge and receive no more than three discount points computed as a percentage of the principal amount of the secondary mortgage loan...) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The New Jersey Department of Banking and Insurance has acknowledged that an "origination fee" calculated as a percentage of the loan amount and payable only at closing functionally meets the definition of "discount points." This fee is capped at X% of the loan amount. This may be cured if the client refunds the fee violation and provides XXXXXX a copy of the check, PCCD, LOE, and proof of delivery.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the discount fee test. (N.J.S.A. §XX:XXC-XX, N.J.A.C. §§X:XX-X.X)The loan charges a discount fee that exceeds X% of the principle amount of the loan. The loan is charging a origination of$X,XXX fee that exceeds X% of the principle amount of the loan that is $X,XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7889298 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065178 | Closed | 2026-03-03 02:09 | 2026-03-25 07:11 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Re-ran XXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, Xnd lien , the Final Closing disclosure on Pg#'s XX Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XX-XXX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX, XXX XXXX , XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7889303 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065179 | Closed | 2026-03-03 02:26 | 2026-03-13 03:36 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-updated XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Updated qualifying FICO as per provided recent credit report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX, XXXXXXXXXX XXXX XX XXX XXXX XXXXXXX XXX XXXXXXXXXX XXXX XXXX XXX XXXXXX XXXXXXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7889431 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065179 | Closed | 2026-03-03 03:35 | 2026-03-03 03:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX , and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7889870 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065167 | Closed | 2026-03-03 06:09 | 2026-03-23 17:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Escalated-XX approves exception. Comp Factors: XXX FICO, XX mos reserves, $XXXX residual income. - XXXXX-XX/XX/XXXX <br>Escalated-Escalating for XX Visibility - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-EXCEPTION APPROVAL - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Audited DTI Exceeds XXXXXXXXX DTI Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXX XXXX<br> $XXXX XXXXXXXX XXXXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 7892912 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065167 | Closed | 2026-03-03 06:06 | 2026-03-06 15:59 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure and delivery confirmation. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX XXX XXXXXXXX XXXXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7892874 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065161 | Closed | 2026-03-03 10:42 | 2026-03-12 07:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Informal exception in loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Exception in findings for DTI of XX.XX% where the requirement is XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-INTERNAL EXCEPTION APPROVAL - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Audited DTI of XX.X% exceeds XXXXXXXXX DTI of XX% Audited DTI of XX.XX% is exceeded guidelines DTI of XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXXXXXXX XXXXXXXXX XX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXXXXXXXXXXX XXXXXXX XXXXXXX: <br> XXXX XX XXX XXXXX XXX XX XXX XXXXXXXXXXX<br> XXX XX XX.X% XXXXX XX% XX XXX XXXXXXXXXXX. | XXXX | Primary Residence | Refinance | Cash Out - Other | 7899851 | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 305065075 | Closed | 2026-03-04 08:05 | 2026-03-24 03:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Requested Senior lien document provided, updated & condition resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. mortgage statement and credit report give us all need information. Please waive this condition. - Seller-XX/XX/XXXX <br>Open-Deephaven will not permit loans in first lien position to contain any risk features that could impact the borrower's ability to repay. Terms of the subject property first lien must be obtained. The following documentation is required: <br> Copy of Note and Deed of Trust/Mortgage. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. mortgage statement and credit report give us all need information. Please waive this condition. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXX XXXX XXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX_XXXXXXXXX_XXXX XXXXX XX .XXX_XXXXX_<br> XXXXXX_XXXXXX_XXXXXX XXXXXXXXX_.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7918440 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065075 | Closed | 2026-03-04 07:51 | 2026-03-17 12:36 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Missing COC for State Tax/Stamps increase from $X to $XXX.XX on X/XX/XX<br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX - XXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7918070 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065075 | Closed | 2026-03-05 03:17 | 2026-03-17 12:36 | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see lox attached - Seller-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Missing COC for State Tax/Stamps increase from $X to $XXX.XX on X/XX/XX<br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see lox attached - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX - XXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7937060 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065094 | Closed | 2026-03-09 08:47 | 2026-04-13 08:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD rider dated X/XX/XXXX provided by lender. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Corrected DOT uploaded for review. - Seller-XX/XX/XXXX <br>Open-According to the appraisal in file, the subject property is a PUD. Additionally, there was a PUD rider for the Xst lien. There was not a PUD rider for the Xnd lien. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Corrected DOT uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXX XXXXX X/XX/XXXX XXXXXXXX XX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXXXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7997287 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065094 | Closed | 2026-03-05 01:15 | 2026-03-09 08:44 | Resolved | 1 - Information A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). Section C charges are being transferred to section B from Loan estimates to closing disclosure, changed circumstances addressing the addition of fee is required. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7936355 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065094 | Closed | 2026-03-05 01:19 | 2026-03-09 08:44 | Resolved | 1 - Information A | Compliance | TRID | Reimbursement Amount Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount test - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7936372 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065094 | Closed | 2026-03-05 01:20 | 2026-03-05 01:26 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7936380 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065094 | Closed | 2026-03-05 01:20 | 2026-03-05 01:22 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7936381 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065166 | Closed | 2026-03-04 02:01 | 2026-03-13 03:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-HAZ - Due Diligence Vendor-XX/XX/XXXX <br>Open-Hazard Insurance Policy Partially Provided Missing Hazard Policy Premium amount. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7912650 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065166 | Closed | 2026-03-04 01:49 | 2026-03-09 13:35 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XX and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX,XX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX,XX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7912599 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038877 | Closed | 2026-03-09 16:59 | 2026-03-19 18:20 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Missing Homeownership Counseling Disclosure - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8008037 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038877 | Closed | 2026-03-04 23:22 | 2026-03-16 17:49 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Revised CD dated XX/XX/XXXX provided, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (XX CFR §XXXX.XX(f)(X)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §XXXX.XX(f)(X)(ii), if the disclosures provided under §XXXX.XX(f)(X)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. Fired because per final CD issue date and closing date is X/XX/XX but was not wet signed until X/XX/XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XX XXXXX XX/XX/XXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXX XX XX.XX.XX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7935809 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038877 | Closed | 2026-03-04 23:22 | 2026-03-16 17:49 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Missing COC form for points fee that increased on the initial CD issued XX/XX/XX. Unable to clear tolerance fail with COC issued on X/XX/XX for points fee that increased on the final CD because the final CD issued on X/XX/XX was not signed until X/XX/XX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXX XX XX.XX.XX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7935810 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038877 | Closed | 2026-03-04 23:41 | 2026-03-16 17:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Missing COC form for points fee that increased on the initial CD issued XX/XX/XX. Unable to clear tolerance fail with COC issued on X/XX/XX for points fee that increased on the final CD because the final CD issued on X/XX/XX was not signed until X/XX/XX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXX XX XX.XX.XX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7935940 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038877 | Closed | 2026-03-09 14:58 | 2026-03-16 17:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-The Initial XXXX is Missing Initial XXXX provided is not executed by the LO individual. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8006692 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038877 | Closed | 2026-03-04 21:07 | 2026-03-11 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Missing XXXX <br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7935018 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038877 | Closed | 2026-03-04 23:22 | 2026-03-16 17:50 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page N/A and the Final Closing disclosure on page XX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7935814 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065084 | Closed | 2026-03-09 12:05 | 2026-03-23 14:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Used XXXX guidelines, P&L not required. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X YTD Profit & Loss Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X YTD Profit & Loss Missing Year-to-date profit and loss statement (if the loan application is > XXX days after the year-end reflected on the most recent business tax return provided). Profit and loss are in the file. However, missing signature of person who created the P&L. Our data requires identification of creator. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXXXXXX, X&X XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX & XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXXX XXXXXXXXXXXXX XXXXXXXXX XXXXXX XXX XXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXX XXXXXXXXXX XXXX XXX XXXXXXXX XXXXXX XXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8002675 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065084 | Closed | 2026-03-05 23:43 | 2026-03-23 14:26 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Correcting Charges That Cannot Increase Test resolved this condition. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Missing COC for origination fee increased from $XXXX X/X/XX to $XXXX X/X/XX. <br> Missing COC for Title- Electronic Recording Service Fee increased from $X.XX X/X/XX to $X.XX X/X/XX.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXX XXXX XXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXXX XXXXXXXXXXXXX XX XXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXX XXXXXXXXXX XXXXX XX XXXXXXX X XX.XXX_XXXXX_<br> XXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXXXXXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7963892 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065084 | Closed | 2026-03-05 23:43 | 2026-03-23 14:26 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Correcting Charges That Cannot Increase Test resolved this condition. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Missing COC for origination fee increased from $XXXX X/X/XX to $XXXX X/X/XX. <br> Missing COC for Title- Electronic Recording Service Fee increased from $X.XX X/X/XX to $X.XX X/X/XX.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXX XXXX XXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXXX XXXXX XX XXXXXXX X XX.XXX_XXXXX_<br> XXXXXX XXXXXXXXXX XXXXXXXXXXXXX XX XXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXXXXXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7963891 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065084 | Closed | 2026-03-05 23:43 | 2026-03-23 14:26 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Updated CD dated X/XX/XXXX to reflect what the COC dated X/XX/XXXX stated. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Missing COC for origination fee increased from $XXXX X/X/XX to $XXXX X/XX/XX. <br> Missing COC for Title- Electronic Recording Service Fee increased from $X.XX X/XX/XX to $X.XX X/XX/XX.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XX XXXXX X/XX/XXXX XX XXXXXXX XXXX XXX XXX XXXXX X/XX/XXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXXXXXXXXX XXX.XXX_XXXXX_<br> XXXXXX XXXXXXXXXX XXXXX XX XXXXXXX X XX.XXX_XXXXX_<br> XXXXXX XXXXXXXXXX XXXXXXXXXXXXX XX XXXX XXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7963889 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065084 | Closed | 2026-03-05 10:53 | 2026-03-23 14:25 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Updated title policy provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXX XXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXXX XXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7948946 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065084 | Closed | 2026-03-05 23:06 | 2026-03-23 14:24 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-XXXX provided states XXX FICO, matches qualifying FICO. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO per matrix is Primary wage eager which is BX. The mid score is XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX XXXXXX XXX XXXX, XXXXXXX XXXXXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7963727 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065084 | Closed | 2026-03-09 11:44 | 2026-03-20 06:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Final rate lock X/X/XX provided dated X/XX/XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Lock confirmation details incorrect LTV XX.XXX%. The transaction loan amount is $XXX,XXX/$XXX,XXX= XX.XX%. CLTV XX.XX%. Provide final lock confirmation - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXX XXXX X/X/XX XXXXXXXX XXXXX X/XX/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXX XXXXX XXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8002187 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065023 | Closed | 2026-03-05 00:50 | 2026-03-17 08:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd party VOE that is within the XX business days from closing provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing BX VOE prior to closing is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXX XX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7936254 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065023 | Closed | 2026-03-05 00:50 | 2026-03-17 08:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd party VOE that is within the XX business days from closing provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing BX VOE prior to closing is missing in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXX XX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7936255 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065023 | Closed | 2026-03-05 05:23 | 2026-03-17 08:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Borrower X Personal Bank Statements Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Bank statement provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-Borrower X Personal Bank Statements Missing November month bank statement is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXXXXX XXXXXXXX XXXX XXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7938680 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065023 | Closed | 2026-03-05 05:28 | 2026-03-17 08:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Disclosures provided and XX run w/ Elevated grade. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial CD is missing in file. Please provide along with any applicable change of circumstance(s). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXX XXXXXXXX XXX XX XXX X/ XXXXXXXX XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXXXXXX_XXXXXXX-XXXXXXXXXX_XXXXXXXX-XXXXXXXXX_XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXXXXXXXXXX_XX-XXXXXXXXXXXX_XXXXXXXX-XXXXXXXXX_XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX_XXXXX_<br> XXXXX-XX_XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXXXXXXXXXX_XX-XXXXXXXXXXXX_XXXXXXXX-XXXXXXXXX_XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXXXXXXXXXX_XXXX-XXXX_XXXXXXXX-XXXXXXXXX_XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7939439 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065023 | Closed | 2026-03-17 08:13 | 2026-03-17 08:18 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Updated in XX and resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (XX CFR §XXXX.XX(e)(X)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.XX(e)(X)(e)(X)(iii) §XXXX.X(a)(X) and as it relates to §XXXX.XX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, XXXXXXXXXXXXXXXXXX calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, XXXXXXXXXXXXXXXXXX calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXX.XX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXX.XX(e)(X)(e)(X)(iii). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX XX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8150054 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065023 | Closed | 2026-03-17 08:13 | 2026-03-17 08:18 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML requirements and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXXXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8150052 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065089 | Closed | 2026-03-05 22:41 | 2026-03-18 06:45 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD provided dated X/X/XXXX with disbursement dated X/X/XX. I ran PCCD compliance and it resolved. - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved- - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved- - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Counter-No document uploaded. Cancel date X/X/XX is the same date as the disbursement date X/X/XX. The cancel date must be a day before cancel date. - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Please review upload - XXXXX-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Cancel date X/X/XX is the same date as the disbursement date X/X/XX. The cancel date must be a day before cancel date. - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX XXXXX X/X/XXXX XXXX XXXXXXXXXXXX XXXXX X/X/XX. X XXX XXXX XXXXXXXXXX XXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXX XXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7963510 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065089 | Closed | 2026-03-05 22:07 | 2026-03-18 06:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved- - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-Requested UDM in lieu of Gap credit report provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXXX, or XXXXXXXX) is required within XX business days of closing. Borrower X Gap Credit Report is Missing - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXX XX XXXX XX XXX XXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7963347 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065089 | Closed | 2026-03-05 22:07 | 2026-03-18 06:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved- - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-Requested UDM in lieu of Gap credit report provided, updated & condition resolved.<br> - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXXX, or XXXXXXXX) is required within XX business days of closing. Borrower X Gap Credit Report is Missing - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXX XX XXXX XX XXX XXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7963348 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065089 | Closed | 2026-03-18 06:36 | 2026-03-18 06:38 | Resolved | 1 - Information C A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($-XX.XX) exceeds the per diem interest charge or credit threshold ($-XX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8180535 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065089 | Closed | 2026-03-18 06:36 | 2026-03-18 06:38 | Resolved | 1 - Information C A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($-XX.XX) exceeds the per diem interest charge or credit threshold ($-XX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8180537 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065089 | Closed | 2026-03-12 03:18 | 2026-03-18 06:22 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-XXXX provided with updated FICO XXX that matches XXXXXXXXX XXXXX method. - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is 'XXX' but the Qualifying FICO from the Credit Liabilities Page is 'XXX' Qualifying FICO entries do not match, Need updated XXXX with FICO of XXX. - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX XXXX XXXXXXX XXXX XXX XXXX XXXXXXX XXXXXXXXX XXXXXXXXXX XXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8062904 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065195 | Closed | 2026-03-16 13:00 | 2026-03-17 09:52 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Complete appraisal provided with interior photos. - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-appraisal - Due Diligence XXXXXX-XX/XX/XXXX <br>Open-The appraisal provided did not contain interior photos. - Due Diligence XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8135161 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065195 | Closed | 2026-03-12 03:28 | 2026-03-16 12:57 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Xst Lien Mortgage Statement on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX, XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg#XX, and copy of the appraisal was given to the borrower see Pg# XXfor the copy of the disclosure. The loan meets HPML XXXXXXXXXX" - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXX XXXX XXXXXXXX XXXXXXXXX XX XX# XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX, XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX# XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XXXXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8062989 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065195 | Closed | 2026-03-12 03:28 | 2026-03-16 12:56 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Xst Lien Mortgage Statement Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX, XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg #XX, and copy of the appraisal was given to the borrower see Pg #XX for the copy of the disclosure. The loan meets HPML XXXXXXXXXX. - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXX XXXX XXXXXXXX XXXXXXXXX XX#XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX, XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX# XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX #XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX #XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8062991 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065124 | Closed | 2026-03-05 22:30 | 2026-03-24 15:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Requested Initial CD provided, updated & condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-The Initial XXXX is Missing Missing Initial XXXX <br> - Due Diligence XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7963457 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065124 | Closed | 2026-03-05 23:38 | 2026-03-23 09:15 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This Xnd lien loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg X, per the other considerations section of Initial LE issued within X business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXX XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX X, XXX XXX XXXXX XXXXXXXXXXXXXX XXXXXXX XX XXXXXXX XX XXXXXX XXXXXX X XXXXXXXX XXXX XXXX XXX XXXXXXXXXXX XXXX, X XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7963862 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065124 | Closed | 2026-03-05 23:38 | 2026-03-23 09:15 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This Xnd lien loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg X, per the other considerations section of Initial LE issued within X business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved. <br>- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXX XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX X, XXX XXX XXXXX XXXXXXXXXXXXXX XXXXXXX XX XXXXXXX XX XXXXXX XXXXXX X XXXXXXXX XXXX XXXX XXX XXXXXXXXXXX XXXX, X XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. <br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7963867 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065063 | Closed | 2026-03-11 07:28 | 2026-03-13 11:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Note for Xst lien provided by lender. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-The loan file did not contain Note or Mortgage for the first lien as required by lender guidelines. Additionally, the mortgage statement for the Xst lien was not provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXX XXX XXXX XXXXXXXX XX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8043623 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065063 | Closed | 2026-03-11 07:27 | 2026-03-13 11:10 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX w/ FICO of XXX provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-Qualifying FICO on XXXX does not match Qualifying FICO per Guidelines. Please confirm the correct Qualifying FICO. The XXXX did not contain a FICO score. The calculated FICO was XXX. Provide updated XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX X/ XXXX XX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8043590 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065146 | Closed | 2026-03-07 02:30 | 2026-03-09 13:38 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Lender provided approved exception in file, p. XXXX, to allow use of tax transcript provided by borrower via XXX.XXX in lieu of transcripts obtained by XXXXXXXXX. May proceed with W-X transcript as income validation. XXXX wages are a match between W-X and transcripts. Borrower is currently with a new employer as of X/X/XXXX. Finding waived. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXXXXX XXX XXXXXXXXXX XX XXX XXXX XXXXXXXXXX XXXXXX XXXXXXXX XXXXXXXX XXXXXXXXX XX XXXX, X. XXXX, XX XXXXX XXX XX XXX XXXXXXXXXX XXXXXXXX XX XXXXXXXX XXX XXX.XXX XX XXXX XX XXXXXXXXXXX XXXXXXXX XX XXXXXXXXX. XXX XXXXXXX XXXX X-X XXXXXXXXXX XX XXXXXX XXXXXXXXXX. XXXX XXXXX XXX X XXXXX XXXXXXX X-X XXX XXXXXXXXXXX. XXXXXXXX XX XXXXXXXXX XXXX X XXX XXXXXXXX XX XX X/X/XXXX. XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXX XXXXXXXX XXXXXXX XXX XX XXXXXX.<br> XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX X.XX%.<br>| XXXX | Primary Residence | Refinance | Cash Out - Other | 7984358 | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 305065146 | Closed | 2026-03-07 02:31 | 2026-03-09 13:36 | Resolved | 1 - Information A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. XXXXXXXXX's broker agreement contractually obligates the broker to comply with anti-steering. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXX XX XXXXXX XX XXXX XX XXXXXX, XXXX XXXXXXXX XX XXXX-XXXXXXXX XXXXXXXXXX, XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXXXXX. XXXXXX XXXX XXXXXXXXXXX. XXXXXXXXX'X XXXXXX XXXXXXXXX XXXXXXXXXXXXX XXXXXXXXX XXX XXXXXX XX XXXXXX XXXX XXXX-XXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7984359 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065152 | Closed | 2026-03-12 16:09 | 2026-03-20 08:48 | Resolved | 1 - Information C A | Property | Appraisal | Missing Core Valuation Product | Resolved-The valuation entries contain one of the core valuation types or all appraisals are waived. AVM + PCI is sufficient to use as primary valuation for equity advantage loans. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The valuation entries contain one of the core valuation types or all appraisals are waived. AVM + PCI is allowed to be used as primary valuation for equity advantage loans. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-None of the Valuation entries contain core valuation types. Property condition report and AVM in file state property as SFR however DOT in file has a Condo rider. Property type confirmation is required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXXX XXXXXXX XXXXXXX XXX XX XXX XXXX XXXXXXXXX XXXXX XX XXX XXXXXXXXXX XXX XXXXXX. XXX + XXX XX XXXXXXXXXX XX XXX XX XXXXXXX XXXXXXXXX XXX XXXXXX XXXXXXXXX XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXXX XXXXXXX XXXXXXX XXX XX XXX XXXX XXXXXXXXX XXXXX XX XXX XXXXXXXXXX XXX XXXXXX. XXX + XXX XX XXXXXXX XX XX XXXX XX XXXXXXX XXXXXXXXX XXX XXXXXX XXXXXXXXX XXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8083241 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065152 | Closed | 2026-03-12 16:14 | 2026-03-20 08:45 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-HO-X Master Insurance Policy is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXXXX is treating the property as a SFR and will not require a master insurance policy as there is not one available. Borrower is covered with HOI - XXXXX-XX/XX/XXXX <br>Open-Missing HO-X Master Insurance Policy If confirmed property type is condominium, Master insurance is required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XX-X XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX_XXXXX_<br> XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8083284 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065152 | Closed | 2026-03-12 16:14 | 2026-03-20 08:45 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-Named Insured on HO-X Master Insurance Policy matches HOA Name or Property is Not a Condominium - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Named Insured on HO-X Master Insurance Policy does not match HOA Name Unable to confirm due to missing master insurance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXX XX XX-X XXXXXX XXXXXXXXX XXXXXX XXXXXXX XXX XXXX XX XXXXXXXX XX XXX X XXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8083285 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065152 | Closed | 2026-03-08 22:48 | 2026-03-12 12:51 | Resolved | 1 - Information A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. XXXXXXXXX's broker agreement contractually obligates the broker to comply with anti-steering. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXX XX XXXXXX XX XXXX XX XXXXXX, XXXX XXXXXXXX XX XXXX-XXXXXXXX XXXXXXXXXX, XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXXXXX. XXXXXX XXXX XXXXXXXXXXX. XXXXXXXXX'X XXXXXX XXXXXXXXX XXXXXXXXXXXXX XXXXXXXXX XXX XXXXXX XX XXXXXX XXXX XXXX-XXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7988856 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065148 | Closed | 2026-03-10 17:40 | 2026-03-31 17:39 | Resolved | 1 - Information D A | Property | Missing Doc | File does not contain all required valuation documents | Resolved-Client confirmed Class Valuation is an approved third - party vendor. Confidence score meet lender GL requirement, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please see confidence score is listed on this Class Valuation of which is our approved third - party vendor. - Seller-XX/XX/XXXX <br>Ready for Review-Class Valuation is our third-party appraisal management company. This is acceptable for the equity advantage program. Please clear this as presented, no appraisal or additional information is required. - Buyer-XX/XX/XXXX <br>Counter-AVM provided is present in file, property condition report is currently not in file to be considered acceptable per guidelines. Full appraisal mentioned in comment below is not present in file. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Based on the loan amount being below $XXX,XXX, the guidelines provide the following valuation options:<br>AVM (Automated Valuation Model) plus a Property Condition Report, or<br> A full interior appraisal<br>In this case, a full interior appraisal has been obtained and is included in the file. Therefore, the valuation requirement has been met in accordance with the applicable guidelines.<br>Please refer to the attached matrices for confirmation. - Buyer-XX/XX/XXXX <br>Open-In order for AVM to be used as a Primary valuation for Equity advantage loans, a Property Condition Report (or) Full interior appraisal (Fannie Mae Form XXXX, XXXX or XXXX is also required. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Please see confidence score is listed on this Class Valuation of which is our approved third - party vendor. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXXX XXXXX XXXXXXXXX XX XX XXXXXXXX XXXXX - XXXXX XXXXXX. XXXXXXXXXX XXXXX XXXX XXXXXX XX XXXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXX XXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8033185 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065148 | Closed | 2026-03-09 04:58 | 2026-03-31 16:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached documentation. The primary residence located at XXXXX X XXXXXX reflects an existing mortgage lien with XXXXXX XXXXXXXX, as confirmed by our database and credit report. Please also see the attached corrected Final XXXX. We are able to confirm the first lien with documentation provided in the file. This does not warrant a condition — at best, this is informational. We are requesting that this condition be downgraded to an EVX. - Buyer-XX/XX/XXXX <br>Counter-Final XXXX provided is for incorrect borrower/subject address. Confirmed from loan approval/lock confirmation this loan is Equity advantage. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. This is a Xst lien mortgage. Please see the attached final XXXX. - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Subject property Xst lien mortgage information is missing in provided Final XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXX_XXXX.XXX_XXXXX_<br> XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7990835 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065132 | Closed | 2026-03-06 06:25 | 2026-03-16 07:57 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Resolved, Final XXXX received updated Fico in the system to match the qualifying Fico. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Provide Updated XXXX . Audited FICO is XXX, XXXX Shows as XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX, XXXXX XXXX XXXXXXXX XXXXXXX XXXX XX XXX XXXXXX XX XXXXX XXX XXXXXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7968897 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065132 | Closed | 2026-03-10 08:16 | 2026-03-16 04:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved, Revised LE and Coc updated . - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Provide the revised loan estimate and all associated COC's. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX, XXXXXXX XX XXX XXX XXXXXXX . - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXX - XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8019097 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065132 | Closed | 2026-03-06 04:03 | 2026-03-16 04:49 | Resolved | 2 - Non-Material C B | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Resolved, Rate lock provided and Revised LE updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The revised LE within X days of lock confirmation not Provided in File. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX, XXXX XXXX XXXXXXXX XXX XXXXXXX XX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXX - XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7965577 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065132 | Closed | 2026-03-06 05:12 | 2026-03-16 04:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 3 Gap Credit Report is Missing | Resolved-Gap Credit Report is missing in fie, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide Gap Report within XX Business Days. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXX XXXXXX XX XXXXXXX XX XXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7966200 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065132 | Closed | 2026-03-06 05:12 | 2026-03-16 04:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Gap Credit Report is missing in fie, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide Gap Report within XX Business Days. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXXX XX XXXXXXX XX XXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7966199 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065132 | Closed | 2026-03-06 05:12 | 2026-03-16 04:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap Credit Report is missing in fie, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide Gap Report within XX Business Days. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXX XXXXXX XX XXXXXXX XX XXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7966198 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065049 | Closed | 2026-03-06 21:32 | 2026-04-13 04:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX XXX XXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7983876 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065049 | Closed | 2026-03-11 17:14 | 2026-03-24 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-The updated title reflecting the coverage amount of $XXX,XXX that matches the LA was provided in Findings: XXXXX XXXX XXXXXXXXX XXXXX XXXXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Title Document is Incomplete The Title Coverage Amount is missing from the Title Opinion provided on p XXX-XXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXX XXXXX XXXXXXXXXX XXX XXXXXXXX XXXXXX XX $XXX,XXX XXXX XXXXXXX XXX XX XXX XXXXXXXX XX XXXXXXXX: XXXXX XXXX XXXXXXXXX XXXXX XXXXXXX.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XX XXXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX XXXXXXXXX XXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8058909 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065070 | Closed | 2026-03-10 22:23 | 2026-03-24 05:37 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Title Coverage Amount of $XXXXX is Less than Loan Amount $XXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXXX XXXXX XXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8034929 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065070 | Closed | 2026-03-11 00:04 | 2026-03-24 05:34 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the XXXX Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This loan failed the XXXX Rate Lock Disclosure Delivery Date Test. A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXXXX XXXXX XX XXXX-XX XXXX XXX XXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8035438 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065070 | Closed | 2026-03-12 08:25 | 2026-03-24 05:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VVOE dated X/XX/XX verifies borrower is employed, active since X/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing Verbal Verification of Employment (VVOE) completed within XX business days of closing is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXX XXXXX X/XX/XX XXXXXXXX XXXXXXXX XX XXXXXXXX, XXXXXX XXXXX X/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXXXX XXXX-XX-XXXXXXXXXX.XXX XXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8070697 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065238 | Closed | 2026-03-23 07:12 | 2026-04-03 12:12 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-please find the revised XXXX for the DTI - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Counter-The Gap Credit Report indicates that one of the Borrowers Credit Card accounts (XXXXX) went from a payment of $XXX a month to $XXXX a month causing a difference in DTI. Provide updated XXXX with corrected DTI or evidence/explanation of the borrowers XXXXX Card payment still being $XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Please find a copy of a field review appraisal that cut the original appraised value attached. This is the appraised value used and LTV is based off of this. Thank you - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-The XXXX document is missing from the loan file. The Gap Credit Report indicates that one of the Borrowers Credit Card accounts (XXXXX) went from a payment of $XXX a month to $XXXX a month causing a difference in DTI. <br> Per XXXX the appraised value is $XXXXXX vs the appraisal in file on page XX reflects $XXXXXX causing a difference in LTV - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8262852 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065238 | Closed | 2026-03-10 09:27 | 2026-03-15 23:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd party VOE provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Please find a current se voe for the borrower from the secretary of state of XXXXX XXXXXXXXX. Thank you - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Verification of Employment within XX Business Days. The verification on page XXX is dated X/XX/XX. Also, the website information on page XXX is not sufficient. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8021821 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065238 | Closed | 2026-03-10 09:00 | 2026-03-11 13:42 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (Junior Lien 10/13) | Waived-The loan's (X.XXX%) APR equals or exceeds the XXXXX XXXXXXXXX Rate Spread Home Loan junior lien threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(iii)) Subject Loan APR X.XXX%, but junior lien threshold is X.XX - Exceeding the threshold - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXX XXXXXXXX XXXX XXXXXX XXXX XXXX XXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXXXX XXX XXXX XXXXXXX XX X X-X XXXX XXXXXXXX XX (X.XX%).(X.X. XXX. XXXX. XX-X.XX(XX); XX XXX XXXXX(X)(X)(X)(XX); XX XXX XXXX.XX(X)(X)(XXX)) XXXXXXX XXXX XXX X.XXX%, XXX XXXXXX XXXX XXXXXXXXX XX X.XX - XXXXXXXXX XXX XXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8020924 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065238 | Closed | 2026-03-10 09:00 | 2026-03-11 13:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets XXXX guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8020928 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065149 | Closed | 2026-03-16 11:02 | 2026-04-03 11:24 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- Resolved after XXXX finding updates. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. We provided an over-tolerance credit of $XXX to account for the increase in this fee; therefore, no Change of Circumstance (COC) should be required, as the adjustment resulted in a wash.<br>Please refer to Section J for details of the over-tolerance credit. - Seller-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. We provided an over-tolerance credit of $XXX to account for the increase in this fee; therefore, no Change of Circumstance (COC) should be required, as the adjustment resulted in a wash.<br>Please refer to Section J for details of the over-tolerance credit. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX- XXXXXXXX XXXXX XXXX XXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8131500 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065149 | Closed | 2026-03-16 11:02 | 2026-04-03 11:24 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- Resolved after XXXX finding updates. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. We provided an over-tolerance credit of $XXX to account for the increase in this fee; therefore, no Change of Circumstance (COC) should be required, as the adjustment resulted in a wash.<br>Please refer to Section J for details of the over-tolerance credit. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Missing COC for $XXX Appraisal fee increase on X/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. We provided an over-tolerance credit of $XXX to account for the increase in this fee; therefore, no Change of Circumstance (COC) should be required, as the adjustment resulted in a wash.<br>Please refer to Section J for details of the over-tolerance credit. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX- XXXXXXXX XXXXX XXXX XXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8131499 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065149 | Closed | 2026-03-16 11:02 | 2026-04-03 05:54 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. We provided an over-tolerance credit of $XXX to account for the increase in this fee; therefore, no Change of Circumstance (COC) should be required, as the adjustment resulted in a wash.<br>Please refer to Section J for details of the over-tolerance credit. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Missing COC for Appraisal Fee $XXX increase on X/XX/XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. We provided an over-tolerance credit of $XXX to account for the increase in this fee; therefore, no Change of Circumstance (COC) should be required, as the adjustment resulted in a wash.<br>Please refer to Section J for details of the over-tolerance credit. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8131498 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065145 | Closed | 2026-03-16 13:53 | 2026-04-08 11:55 | Waived | 2 - Non-Material C B | Compliance | State Reg | PA Lender Prohibited Fees Test | Waived-The loan includes an underwriting fee charged by the lender. Although X Pa .C.S. § XXXX permits origination-related and processing fees, it does not expressly reference underwriting fees; accordingly, the fee has been downgraded to EVX/B. The lender credit fully offset the fee, mitigating borrower impact. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan includes an underwriting fee charged by the lender. Although X Pa .C.S. § XXXX permits origination-related and processing fees, it does not expressly reference underwriting fees; accordingly, the fee has been downgraded to EVX/B. The lender credit fully offset the fee, mitigating borrower impact. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the lender prohibited fees test. (X Pa.C.S. §XXXX(a))The loan charges a fee not provided for in the act. A lender is prohibited from charging fees, except those provided for in this act. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Per guidance received from the Compliance team, on XXXXXXXXXXXX (XX) second lien files with XXXXXX that fail, we may proceed notwithstanding the XXXXXX exceptions related to the tax service and flood certification fees. Additionally, as referenced in the attached email and supporting communications, the file shows credits in excess of $XX,XXX.XX, resulting in no revenue loss. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. This fee was covered by the lender; therefore, the borrower was not charged. Please refer to the attached final Closing Disclosure. The "L" designation next to the fee indicates that it was paid by XXXXXXXXX XXXXXXXX.<br>Kindly clear this finding. - Buyer-XX/XX/XXXX <br>Open-The loan charges a fee not provided for in the act. A lender is prohibited from charging fees, except those provided for in this act. Underwriting Fees $X,XXX paid by lender. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Per guidance received from the Compliance team, on XXXXXXXXXXXX (XX) second lien files with XXXXXX that fail, we may proceed notwithstanding the XXXXXX exceptions related to the tax service and flood certification fees. Additionally, as referenced in the attached email and supporting communications, the file shows credits in excess of $XX,XXX.XX, resulting in no revenue loss. - Seller-XX/XX/XXXX<br>| XXXXXX-XXX XXXX XXXXXXXX XX XXXXXXXXXXXX XXX XXXXXXX XX XXX XXXXXX. XXXXXXXX X XX .X.X. § XXXX XXXXXXX XXXXXXXXXXX-XXXXXXX XXX XXXXXXXXXX XXXX, XX XXXX XXX XXXXXXXXX XXXXXXXXX XXXXXXXXXXXX XXXX; XXXXXXXXXXX, XXX XXX XXX XXXX XXXXXXXXXX XX XXX/X. XXX XXXXXX XXXXXX XXXXX XXXXXX XXX XXX, XXXXXXXXXX XXXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXXXXXXX XXX XXXXXXX XX XXX XXXXXX. XXXXXXXX X XX .X.X. § XXXX XXXXXXX XXXXXXXXXXX-XXXXXXX XXX XXXXXXXXXX XXXX, XX XXXX XXX XXXXXXXXX XXXXXXXXX XXXXXXXXXXXX XXXX; XXXXXXXXXXX, XXX XXX XXX XXXX XXXXXXXXXX XX XXX/X. XXX XXXXXX XXXXXX XXXXX XXXXXX XXX XXX, XXXXXXXXXX XXXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX_XX.XXX_XXXXX_<br> XXXXX XXXX XXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8136392 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065145 | Closed | 2026-03-16 13:53 | 2026-04-08 11:42 | Resolved | 1 - Information C A | Compliance | State Reg | PA Broker Prohibited Fees Test | Resolved-Updated entry, finding cleared. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Per guidance received from the Compliance team, on XXXXXXXXXXXX (XX) second lien files with XXXXXX that fail, we may proceed notwithstanding the XXXXXX exceptions related to the tax service and flood certification fees. Additionally, as referenced in the attached email and supporting communications, the file shows credits in excess of $XX,XXX.XX, resulting in no revenue loss. - Buyer-XX/XX/XXXX <br>Open-Broker is prohibited from charging fees, except those provided for in this act. Broker fee paid by the borrower $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXX, XXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX XXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8136390 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065145 | Closed | 2026-03-16 09:02 | 2026-04-08 09:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the lock confirmation form - Buyer-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Missing rate lock confirmation that details final DTI that aligns with Final XXXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXX XXXXXXXXXXXX (XXX).XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8127903 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065107 | Closed | 2026-03-15 08:06 | 2026-03-31 16:04 | Acknowledged | 1 - Information D A | Compliance | Missing Doc | Texas Title Endorsements (T-2, T-19, T-17, T-42, T-42.1) Missing | Acknowledged-XX Acknowledged - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-They are not "waiving the title endorsement condition" it will be on the final title policy. I have provided confirmation from the title company. - Seller-XX/XX/XXXX <br>Counter-Per Transaction manager: "They cannot Waive the Title endorsement condition". - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached from title confirming final policy will be issued with those X endorsements. please waive this condition - Seller-XX/XX/XXXX <br>Open-One or more of the docs TX, TXX, TXX, TXX, TXX.X is Missing Missing Form T-X<br> Missing T-XX & T-XX.X - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-They are not "waiving the title endorsement condition" it will be on the final title policy. I have provided confirmation from the title company. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached from title confirming final policy will be issued with those X endorsements. please waive this condition - Seller-XX/XX/XXXX<br>| XXXXXXXXXXXX-XX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8115518 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065107 | Closed | 2026-03-11 03:37 | 2026-03-25 15:30 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Missing disclosure advising of loan terms within three business days after the rate was locked on X/X/XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XX X.X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8036745 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065107 | Closed | 2026-03-11 02:13 | 2026-03-25 02:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Requested Final/Signed XXXX provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Missing The Final XXXX's appear to be in the loan file, however are missing borrower's, originators signatures on the documents. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXX/XXXXXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8036133 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065114 | Closed | 2026-03-13 10:48 | 2026-03-18 17:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Counter-XXXXX XXXXXX XXX not attached. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. SE VOE uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing VOE for XXXXX XXXXXX XXX absent from the file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXX XX XXX X_XXXX_XXX XXXXXXXX XXXXX XX - XXXXXX.XXX_XXXXX_<br> XXXXX XXXXXX.XXX |  |  | XXXX | Second Home | Refinance | Cash Out - Other | 8100376 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065114 | Closed | 2026-03-13 10:48 | 2026-03-18 17:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached <br> - Buyer-XX/XX/XXXX <br>Counter-XXXXX XXXXXX XXX not attached. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. SE VOE uploaded for review - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing VOE for XXXXX XXXXXX XXX absent from the file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXX XX XXX X_XXXX_XXX XXXXXXXX XXXXX XX - XXXXXX.XXX_XXXXX_<br> XXXXX XXXXXX.XXX |  |  | XXXX | Second Home | Refinance | Cash Out - Other | 8100377 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065121 | Closed | 2026-03-12 00:36 | 2026-04-13 03:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Requested XXX Questionnaire provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-XXX Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Questionnaire uploaded for review - Buyer-XX/XX/XXXX <br>Open-XXX Questionnaire is Missing or Partial. XXX Questionnaire is Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXXXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXXXXXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX - XXX XXXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8062065 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065121 | Closed | 2026-03-12 01:15 | 2026-03-19 03:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded XXXX doc. - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete The total income on the final XXXX's $XX,XXX.XX do not align with the XXXX $XX,XXX.XX total income, final loan approval and calculated income. Missing updated final XXXX income page for Borrower X. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8062229 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065121 | Closed | 2026-03-12 02:38 | 2026-03-15 10:37 | Resolved | 1 - Information A | Compliance | TRID | Reimbursement Amount Test | Resolved-Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the reimbursement amount test. (XX XXX §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8062704 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065121 | Closed | 2026-03-12 02:53 | 2026-03-15 10:36 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Provide COC for fees increase on date XX/XX/XXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8062796 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065121 | Closed | 2026-03-12 02:53 | 2026-03-15 10:36 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Provide COC for fees increase on date XX/XX/XXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8062795 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065121 | Closed | 2026-03-12 02:38 | 2026-03-15 10:36 | Resolved | 1 - Information A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that in total cannot increase more than XX% test. (XX XXX §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XX.XX) exceed the comparable charges ($XX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8062705 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065121 | Closed | 2026-03-12 02:38 | 2026-03-15 10:36 | Resolved | 1 - Information A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXXX XXXX XXXXXX XXXXXXXX XXXX. (XX XXX §XXXX.XX(X)(X)(X))XXX XXXX XXXXXXXX XXXXXXX XXXX XXXXXX XXX XXXX XXXXX XXXXXXXXXXXXX XXXXXXXXX XX §XXXX.XX(X)(X)(X).XXX XX XXXX XX XXX XXXXX XXXXXXX XXXXXX XXX XXXXXXXXXX XXXXXX. XXXX XXXXX XXXXXXXXX XXXXXXXXX XX $X,XXX.XX.XXXXXX XXX XXX XXXXXXXXX XXXXXXXXXX XXXXX XXXX XXXXXXXX XXX XXXXXXX XXXX XXXXXX XXXXXXXX XXX X XXXXXXXXXX XX XXX XXXX XXXXXXX XXX XXXXXXXX XXXXXXXXXXX.XX XXXXXXXXX XXXXXXX XXXX XXXXXXXXX XXXXXXXX XX §XXXX.XX(X) XX XX XXXX XXXXX XX XXX XXXXXX XXXX XX XX XXXXXXX XX XXX XXXXXXXX XXXX XXX XXXXXX XXX XXXXXX XXXXXXXXXX XXXXXXXXX XXXXX §XXXX.XX(X)(X)(X). XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8062703 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065150 | Closed | 2026-03-12 22:35 | 2026-04-20 13:02 | Waived | 2 - Non-Material C B | Compliance | State Reg | MI Unrelated Transactional Fees Test | Waived-The XXXXXXXX Secondary Mortgage Loan Act does not impose assignee liability on investors that purchase secondary mortgage loans containing prohibited fees, absent participation in or control of the origination. Liability for fee violations under the Act is directed at the originating licensee or registrant, not subsequent purchasers.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please see compliance report reflecting passing for fees - XXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the Unrelated Transactional Fees Test. (XXXX. XXXXXXXXXX of XXXXXXXX & XXXXXXXX XXXXXXXX Letter, XXXXXXXXX XX, XXXX). See XXXX. XXXX. XXXX XXX. §XXX.XX(X)(b).This loan charges one or more fees prohibited under the Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending, readjusting, or renewing of a secondary mortgage, because these fees or charges are not related to some part of the transaction between lender and borrower. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXX-XXX XXXXXXXX XXXXXXXXX XXXXXXXX XXXX XXX XXXX XXX XXXXXX XXXXXXXX XXXXXXXXX XX XXXXXXXXX XXXX XXXXXXXX XXXXXXXXX XXXXXXXX XXXXX XXXXXXXXXX XXXXXXXXXX XXXX, XXXXXX XXXXXXXXXXXXX XX XX XXXXXXX XX XXX XXXXXXXXXXX. XXXXXXXXX XXX XXX XXXXXXXXXX XXXXX XXX XXX XX XXXXXXXX XX XXX XXXXXXXXXXX XXXXXXXX XX XXXXXXXXXX, XXX XXXXXXXXXX XXXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8086994 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065150 | Closed | 2026-03-12 22:35 | 2026-04-20 13:00 | Waived | 2 - Non-Material C B | Compliance | State Reg | MI Lender Retained Fees Test | Waived-The XXXXXXXX Secondary Mortgage Loan Act does not impose assignee liability on investors that purchase secondary mortgage loans containing prohibited fees, absent participation in or control of the origination. Liability for fee violations under the Act is directed at the originating licensee or registrant, not subsequent purchasers.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please find compliance report reflecting passing for fees. - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the Lender Retained Fees Test. (XXXX. XXXX. XXXX XXX. §XXX.XX(X)(b))The loan charged one or more fees prohibited under the Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction. The XXXXXXXXXX of XXXXXXXXX and XXXXXXXXX XXXXXXXX has taken the position that only reasonable and necessary charges that are the actual expenses incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending, readjusting, or renewing of a secondary mortgage can be charged in a secondary mortgage loan transaction. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please find compliance report reflecting passing for fees. - XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXX-XXX XXXXXXXX XXXXXXXXX XXXXXXXX XXXX XXX XXXX XXX XXXXXX XXXXXXXX XXXXXXXXX XX XXXXXXXXX XXXX XXXXXXXX XXXXXXXXX XXXXXXXX XXXXX XXXXXXXXXX XXXXXXXXXX XXXX, XXXXXX XXXXXXXXXXXXX XX XX XXXXXXX XX XXX XXXXXXXXXXX. XXXXXXXXX XXX XXX XXXXXXXXXX XXXXX XXX XXX XX XXXXXXXX XX XXX XXXXXXXXXXX XXXXXXXX XX XXXXXXXXXX, XXX XXXXXXXXXX XXXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8086993 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065150 | Closed | 2026-04-20 12:12 | 2026-04-20 12:59 | Resolved | 1 - Information A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8775788 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065150 | Closed | 2026-04-20 12:12 | 2026-04-20 12:59 | Resolved | 1 - Information A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8775789 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065150 | Closed | 2026-04-20 12:12 | 2026-04-20 12:59 | Resolved | 1 - Information A | Compliance | TRID | Reimbursement Amount Test | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8775790 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065150 | Closed | 2026-04-20 12:12 | 2026-04-20 12:59 | Resolved | 1 - Information A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8775791 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065059 | Closed | 2026-03-13 02:06 | 2026-03-23 05:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial XXXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-The Initial XXXX is Missing Missing initial XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8088056 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065059 | Closed | 2026-03-13 01:02 | 2026-03-23 05:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust document provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing Missing Deed of Trust - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XX XXXXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8087761 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065059 | Closed | 2026-03-13 03:38 | 2026-03-23 05:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Provider List Provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-Missing Service Provider List - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXX XXXXXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8088630 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065059 | Closed | 2026-03-13 03:40 | 2026-03-23 05:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Right to Cancel document provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-Right of Rescission is Missing Missing Right of Rescission disclosure. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XX XXXXXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXX XX XXXXX XX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8088643 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065059 | Closed | 2026-03-13 01:17 | 2026-03-23 03:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd Party VOE for BX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Borrower X Xrd Party VOE Prior to Close - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8087838 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065059 | Closed | 2026-03-13 01:17 | 2026-03-23 02:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd Party VOE for BX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Borrower X Xrd Party VOE Prior to Close - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8087837 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065072 | Closed | 2026-03-17 14:14 | 2026-03-20 07:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Income of XXXXX.XX does not match the loan approval in file. Different variations of income on XXXX provided causing a DTI discrepancy - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX_XXXXX_<br> XXXX XXXX (XXXX_XX) - XXX XXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8163815 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065072 | Closed | 2026-03-15 22:26 | 2026-03-20 07:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Require a Xrd party Verification of Employment for borrower within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8118746 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065187 | Closed | 2026-03-13 07:35 | 2026-03-17 15:35 | Waived | 2 - Non-Material B | Compliance | Mavent | PA Fee Not Allowed- Flood Certification Fee (Fee ID: 102) | Waived-Flood Certification Fee (Fee ID: XXX) is not allowed to be charged to the Borrower and paid to the Provider in PA under the Pennsylvania Mortgage Licensing Act. (X Pa. Stat. XXXX(a), XXXX(X), XXXX(X)). PA statute does not appear to specifically identify Flood Certification, however, they are potentially permitted under the language if the conditions are met: "Making of a mortgage loan, when the fees are actually paid or incurred by the licensee", there is no assignee liability. Finding waived. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXX XXXXXXXXXXXXX XXX (XXX XX: XXX) XX XXX XXXXXXX XX XX XXXXXXX XX XXX XXXXXXXX XXX XXXX XX XXX XXXXXXXX XX XX XXXXX XXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXX XXX. (X XX. XXXX. XXXX(X), XXXX(X), XXXX(X)). XX XXXXXXX XXXX XXX XXXXXX XX XXXXXXXXXXXX XXXXXXXX XXXXX XXXXXXXXXXXXX, XXXXXXX, XXXX XXX XXXXXXXXXXX XXXXXXXXX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX XXX XXX: "XXXXXX XX X XXXXXXXX XXXX, XXXX XXX XXXX XXX XXXXXXXX XXXX XX XXXXXXXX XX XXX XXXXXXXX", XXXXX XX XX XXXXXXXX XXXXXXXXX. XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8093981 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065187 | Closed | 2026-03-13 07:35 | 2026-03-13 07:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8093982 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065068 | Closed | 2026-03-30 08:08 | 2026-03-30 08:28 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Updates made in LM - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8383250 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065068 | Closed | 2026-03-30 08:08 | 2026-03-30 08:25 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC in file and added to LM - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XX XXXX XXX XXXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8383247 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065068 | Closed | 2026-03-30 08:08 | 2026-03-30 08:25 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC in file and added to LM - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XX XXXX XXX XXXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8383248 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065068 | Closed | 2026-03-30 08:08 | 2026-03-30 08:25 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC in file and added to LM - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XX XXXX XXX XXXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8383249 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065068 | Closed | 2026-03-17 14:05 | 2026-03-30 08:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Gap report dated w/in XX business days of closing is missing from the file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8163553 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065068 | Closed | 2026-03-13 07:48 | 2026-03-30 08:28 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-HPML requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s N/A and the Final Closing disclosure on Pg#'s XX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines. <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XXX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8094273 | N/A | N/A |
| XXXX | XXXX | XXXX | 305057786 | Closed | 2026-03-16 02:30 | 2026-03-24 03:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd party VOE provided, updated & condition resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX, XXX XXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8119808 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065189 | Closed | 2026-03-17 03:32 | 2026-03-19 12:05 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg X-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX, XX, XX for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX X-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX, XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX, XX, XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8144993 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065110 | Closed | 2026-03-19 04:36 | 2026-03-26 08:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Document provided. Confirmed resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Requested Xrd party VOE provided, Updated & Condition Resolved<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Provide VVOE within XX days of closing. Confirmed not in the file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX'X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8206299 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065110 | Closed | 2026-03-19 04:36 | 2026-03-26 08:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Document provided. Confirmed resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Requested Xrd party VOE provided, Updated & Condition Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Provide VVOE for Borrower X within XX days of closing. Confirmed not in the file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX'X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8206300 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065110 | Closed | 2026-03-19 06:07 | 2026-03-26 08:22 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Document Received. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are me.TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly see Pg#'s XXX. An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#X, XX-XX the appraisal disclosure was provided to the borrower(s)page XXX shows a copy of the appraisal was given to the borrower, NOTICE TO APPLICANT TO RECEIVE APPRAISAL DISCLOSURE MISSING FROM THE FILE. HPML UNRESOLVED - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XX XXXXX XX XXXXXXX XXXX XX XXXXXXX XXXXXXXXX_XXXXXXXXX - XX XXXXXXX #X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8207196 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065110 | Closed | 2026-03-19 10:26 | 2026-03-24 10:28 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX provided removing the duplicate escrow amounts. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. XXXX is duplicating the HOI and Property taxes for the primary residence and missing the HOA fee into the DTI calculation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8215011 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065110 | Closed | 2026-03-20 10:26 | 2026-03-24 10:27 | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-Updated XXXX provided removing the duplicated escrow amounts. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Missing clarification on the mortgage escrow amount listed and the premium amounts listed on the property tax and hazard insurance in the file for the first lien. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX XXX XXXXXXXXXX XXXXXX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8242560 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065116 | Closed | 2026-03-20 05:07 | 2026-04-07 04:34 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Resolved XXXX was provided and updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please change this condition as "resolved". It's currently saying counter. - Buyer-XX/XX/XXXX <br>Counter-Resolved, Updated XXXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. As per final XXXX LTV is XX.XX and DTI is XX.XXX% , The diligence final look page calculated LTV XX.XX%. Provide updated XXXX with updated LTV and all other monthly payments. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXX XXX XXXXXXXX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8232705 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065053 | Closed | 2026-03-24 18:40 | 2026-03-27 18:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Rate lock LE provided and updated to review, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COCs and LE attached - Buyer-XX/XX/XXXX <br>Open-Initial LE provided is not locked. Confirm if a rate lock LE was issued. If so provide rate lock LE. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XX XXXXXXXX XXX XXXXXXX XX XXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XX XXXXXXXXXXXX XXXXXX XX XXXXXXXXXXXXX - XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8303553 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065053 | Closed | 2026-03-20 04:08 | 2026-03-27 18:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided and updated to review. CE is minimal, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CD attached. - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial CD is missing in file. Provide corresponding COC form and any revised CD's if applicable. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX XXXXXXXX XXX XXXXXXX XX XXXXXX. XX XX XXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXX - XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8230939 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065053 | Closed | 2026-03-27 00:13 | 2026-03-27 18:52 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Rate lock provided and updated to review. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached . - Buyer-XX/XX/XXXX <br>Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXXXX XXX XXXXXXX XX XXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXX XXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8352676 | N/A | N/A |
| XXXX | XXXX | XXXX | 305076959 | Closed | 2026-03-20 05:06 | 2026-03-20 05:53 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page NA the Final Closing disclosure on page XXX-XXX<br> reflects escrows. Rate lock date was entered correctly – see page XXX-XXX<br> . An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page - XXX The loan meets HPML guidelines<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX XX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XXX-XXX<br> XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX-XXX<br> . XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX - XXX XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8232626 | N/A | N/A |
| XXXX | XXXX | XXXX | 305076959 | Closed | 2026-03-20 05:06 | 2026-03-20 05:53 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page NA the Final Closing disclosure on page XXX-XXX<br> reflects escrows. Rate lock date was entered correctly – see page XXX-XXX<br> . An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page - XXX The loan meets HPML guidelines<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX XX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XXX-XXX<br> XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX-XXX<br> . XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX - XXX XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8232638 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065071 | Closed | 2026-03-19 00:22 | 2026-04-01 03:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd party VOE provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Missing VVOE from Discover Card to support employment history. Current VVOE is for X months with Capital One. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXX - XX-XXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8203740 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065066 | Closed | 2026-03-20 07:25 | 2026-04-10 06:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Mortgage statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. we have mortgage statement and credit report which gives us all information we need on this one. - Buyer-XX/XX/XXXX <br>Open-Deephaven will not permit loans in first lien position to contain any risk features that could impact the borrower's ability to repay. Terms of the subject property first lien must be obtained. The following documentation is required: <br> X) Copy of Note and Deed of Trust/Mortgage - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX - XXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXX XXXXXX - XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8234674 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065066 | Closed | 2026-03-22 21:28 | 2026-04-10 06:06 | Resolved | 1 - Information C A | Credit | Credit | Deficient self-employment income documentation. | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Explanation & income calc Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-see attached income calc explanation and waive this condition - Buyer-XX/XX/XXXX <br>Counter-Provide explanation of why XX month average was used over declining income. X) Provide the exact breakdown income used from the wX/returns, and/ or P&L totaling $XX,XXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. also provided XXXX. only using borrower X income - Seller-XX/XX/XXXX <br>Open-BX income stated on XXXX, XXXX = $XXXX Where as not able to verify this income with the given documents(Calculation is on Employment comments)<br> BX income stated on XXXX, XXXX= $-XXXX Where as not able to verify this income with the given documents(Calculation is on Employment comments)<br> BX income stated on XXXX, XXXX = $XX,XXX Where as not able to verify this income with the given documents(Calculation is on Employment comments)<br>Missing income calculations to verify income used in the transaction. <br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. also provided XXXX. only using borrower X income - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXXX & XXXXXX XXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX_XXXXX_<br> XXXX XXXX (XXXX_XX) - XXX XXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8255641 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065066 | Closed | 2026-03-20 06:49 | 2026-04-10 06:07 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, Xnd lien , escrow disclosures and loan information is on Pg#'sXXX ____ and the Final Closing disclosure on Pg#'sXX ____ reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX_____ An interior and exterior appraisal was completed for this property – see pg XX-XX ____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'sXX___ , and copy of the appraisal was given to the borrower – see Pg#'sXXX _____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX, XXX XXXX , XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'XXXX ____ XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXX ____ XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX_____ XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX ____ , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX___ , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'XXXX _____ XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8233953 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080521 | Closed | 2026-03-24 14:46 | 2026-03-26 07:34 | Resolved | 1 - Information C A | Property | Appraisal | Collateral Documentation | Resolved-Lender provided current HOA dues for primary residence - updated XXXX/XXXX provided as well as HOA dues were calculated annually instead of monthly ($XXX per month per current statement) - DTI still in line and under max DTI guidelines - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Rec'd current HOA statement and amount has gone up but in addition UW calculated amount incorrect taking old monthly amount divided by XX so corrected XXXX and XXXX to show correct current monthly amount of XXX. Please review all and clear condition. - Seller-XX/XX/XXXX <br>Ready for Review-this is referring to the HOA Dues for XXXX Black Walnut Ct - the statement provided on page XXX is from over X year ago, need to validate the payment to confirm the DTI for this loan. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached and confirmed on tax returns - Seller-XX/XX/XXXX <br>Open-HOA Dues provided on page #XXX is from January XXXX > X year from the closing date - updated HOA Dues statement required to validate DTI. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Rec'd current HOA statement and amount has gone up but in addition UW calculated amount incorrect taking old monthly amount divided by XX so corrected XXXX and XXXX to show correct current monthly amount of XXX. Please review all and clear condition. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached and confirmed on tax returns - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXX XXXX XXX XXXXXXX XXXXXXXXX - XXXXXXX XXXX/XXXX XXXXXXXX XX XXXX XX XXX XXXX XXXX XXXXXXXXXX XXXXXXXX XXXXXXX XX XXXXXXX ($XXX XXX XXXXX XXX XXXXXXX XXXXXXXXX) - XXX XXXXX XX XXXX XXX XXXXX XXX XXX XXXXXXXXXX - XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX__XXXXX__XX_XXX_.XXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXX - XXXXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXX - XXXXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXX - XXXXXXX XXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Debt Consolidation | 8300006 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065118 | Closed | 2026-03-23 06:28 | 2026-04-01 12:09 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COCs from seller uploaded. - Seller-XX/XX/XXXX <br>Open-Missing COC's for Loan Discount Points increased from X/X/XX $XXXX to X/XX/XX $XXXX.XX and Appraisal field review fee added $X X/XX/XX to Final CD $XXX.XX X/XX/XX.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Missing COC's for the following: <br> Points increased from X/X/XX $XXXX to X/XX/XX $XXXX.XX<br> Appraisal field review fee added $X X/XX/XX to Final CD $XXX.XX X/XX/XX.<br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. COCs from seller uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXX XXXXXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8262100 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065118 | Closed | 2026-03-23 19:59 | 2026-04-01 12:09 | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Duplicate condition - Seller-XX/XX/XXXX <br>Open-Pending COC for Points increased from X/X/XX $XXXX to X/XX/XX $XXXX.XX and Appraisal field review fee added $X X/XX/XX to Final CD $XXX.XX X/XX/XX.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Missing COC's for the following: <br> Points increased from X/X/XX $XXXX to X/XX/XX $XXXX.XX<br> Appraisal field review fee added $X X/XX/XX to Final CD $XXX.XX X/XX/XX.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Duplicate condition - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8278476 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065118 | Closed | 2026-03-25 06:35 | 2026-04-01 12:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate lock with final terms LTV/CLTV and Note rate provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Rate Lock uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Missing Rate lock with accurate Final Note rate and LTV terms. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXX XXXXX XXXXX XXX/XXXX XXX XXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXX XXXXXXXX XX XXXX XXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8309143 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065188 | Closed | 2026-03-27 10:32 | 2026-03-30 17:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Commitment dated X/XX/XXXX provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-please find the title commitment attached. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Title Document is Incomplete The CTI, p XXX, reflects the Commitment Date: March XX, XXXX which is after Note Date of March XX, XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXXXX XXXXX X/XX/XXXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XX XXXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8361952 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065188 | Closed | 2026-03-23 02:30 | 2026-03-30 17:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Requested tax certificate with correct taxes provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please find the tax certification attached. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax The Evidence of Property Tax is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXXXXXXXX XXXX XXXXXXX XXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXXXXXX XXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8256708 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065188 | Closed | 2026-03-23 04:44 | 2026-03-27 11:33 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (Junior Lien 10/13) | Waived-The loan's (X.XXX%) APR equals or exceeds the XXXXX XXXXXXXX Rate Spread Home Loan junior lien threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(X.X. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(iii)) The loan meets HPML guidelines. Finding Waived. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXX XXXXXXXX XXXX XXXXXX XXXX XXXX XXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXXXX XXX XXXX XXXXXXX XX X X-X XXXX XXXXXXXX XX (X.XX%).(X.X. XXX. XXXX. XX-X.XX(XX); XX XXX XXXXX(X)(X)(X)(XX); XX XXX XXXX.XX(X)(X)(XXX)) XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8260423 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065188 | Closed | 2026-03-23 04:44 | 2026-03-27 12:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX-XXX. An interior and exterior appraisal was completed for this property – see pg XX-XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX and copy of the appraisal was given to the borrower – see Pg#'s XXX, XXX for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX. XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX-XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XXX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX, XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8260425 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065099 | Closed | 2026-03-25 10:55 | 2026-04-15 08:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Post close gap report dated X/X/XX provided as no other reports received within XX days of closing. One change to debts XXXXX XXXXXXXX x XXXX increased payment $XXX. However since its post close, no changes were made. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Gap Credit Report is Missing XX.X.X.X GAP CREDIT REPORT A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXXX, or XXXXXXXXX) is required within XX business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within XX days of closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXXXX XXX XXXXXX XXXXX X/X/XX XXXXXXXX XX XX XXXXX XXXXXXX XXXXXXXX XXXXXX XX XXXX XX XXXXXXX. XXX XXXXXX XX XXXXX XXXXX XXXXXXXXX X XXXX XXXXXXXXX XXXXXXX $XXX. XXXXXXX XXXXX XXX XXXX XXXXX, XX XXXXXXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX XXX XXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8315826 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065099 | Closed | 2026-03-25 10:42 | 2026-03-27 18:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Evidence of Rate Lock Missing Missing XXXXXXXXX final rate lock with final terms. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8315554 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065099 | Closed | 2026-03-25 11:24 | 2026-03-27 18:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Missing Consumer Caution and Home owner Counseling Notice is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX XXXXXXX XXX XXXX XXXXX XXXXXXXXXX XXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8316463 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065065 | Closed | 2026-03-24 04:00 | 2026-03-26 15:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is Conventional.) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-Document provided and verified. Condition is resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Uploaded. - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-The XXXX Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit is required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXXXXXX XXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX (XXXX XXXX XXXX XXXX XX XXXXXXXXXXXX.) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXXXXX XXX XXXXXXXX. XXXXXXXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXX - XXXXXXXX XXXXXXX XXX XXXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 8282818 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080441 | Closed | 2026-03-25 07:59 | 2026-04-01 16:54 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. – I attached the loan estimates that I submitted and initial CD and I am not sure what is the issue can you please clarify. - XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. Updated per Revised LE, Initial CD. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. – I attached the loan estimates that I submitted and initial CD and I am not sure what is the issue can you please clarify. - XXXXXX-XX/XX/XXXX_xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX. XX, XXX, XXXXXXX & XXXXXXX.XXX_XXXXX_<br> XX. XXXXXXX XX.XXX_XXXXX_<br> XX. XX, XXX, XXXXXXX & XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8310962 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080441 | Closed | 2026-04-01 09:52 | 2026-04-01 16:54 | Waived | 2 - Non-Material C B | Compliance | State Reg | NJ Second Lien Prohibited Fees Test | Waived-Although this fee appears to violate the XX Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. Finding waived. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Waived-Although this fee appears to violate the XX Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. Finding waived. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the second lien prohibited fees test.<br> (X.X.S.A. §XX:XXC-XX, X.X.A.C. §§X:XX-X.X)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXX-XXXXXXXX XXXX XXX XXXXXXX XX XXXXXXX XXX XX XXXXXXXXXX XXXX XXXXXXX, XX XXXX XXX XXXXXX XX XXXX XXX XXXXXXXXX XX XXXXXXXXX XXX XX XXX XXXXXXXX XX XXXXXXXXXXXXXX XX XXX XXXXXXXX XXXX XXXXXXXX. XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXXXXXXX XXXX XXX XXXXXXX XX XXXXXXX XXX XX XXXXXXXXXX XXXX XXXXXXX, XX XXXX XXX XXXXXX XX XXXX XXX XXXXXXXXX XX XXXXXXXXX XXX XX XXX XXXXXXXX XX XXXXXXXXXXXXXX XX XXX XXXXXXXX XXXX XXXXXXXX. XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8432040 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305080441 | Closed | 2026-03-25 07:59 | 2026-04-01 09:52 | Resolved | 1 - Information C A | Compliance | State Reg | NJ Prohibited Fees Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. sellers rebuttal:We always charge a commitment fee as a correspondent lender, we issue the commitment and from reviewing the above there is nothing that states commitment fee is specifically not allowed, would you kindly review and advise. - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the prohibited fees test.<br> (X.X.S.A. §XX:XXC-XX, X.X.A.C. §§X:XX-X.X)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. Upon review of XX, commitment fee is prohibited in XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX. XX, XXX, XXXXXXX & XXXXXXX.XXX_XXXXX_<br> XX. XXXXXXX XX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8310961 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080441 | Closed | 2026-03-24 02:40 | 2026-04-01 05:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Requested updated DOT with notary page provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-The Deed of Trust is Present and Complete - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. mortgage attached. - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-The Deed of Trust is Incomplete DOT Notarized page is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXX XXXXXXX XXX XXXX XXXXXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XX XXXXX XX XXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX. XXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8282015 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080441 | Closed | 2026-03-25 07:57 | 2026-04-01 04:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Requested HOI policy with premium provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. hoi attached - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Policy Partially Provided Provide Hazard Insurance document with Hazard Premium - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. hoi attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXX XXXXXX XXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX. XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8310913 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065046 | Closed | 2026-03-23 23:36 | 2026-04-02 15:05 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Dwelling amount $X,XXX,XXX covers XXX% of RCE $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please review upload - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'No' XX.XX.X HAZARD INSURANCE : Documentation of adequate hazard insurance coverage is required. When determining the acceptable coverage amount, the unpaid principal balance of all existing liens against the subject property should be used. Equity Advantage loan, First lien unpaid balance is $XXX,XXX and Xnd lien loan is $XXXXXX. Total coverage required is $X,XXX,XXX. Coverage as per HOI policy is $X,XXX,XXX + XXX,XXX other structures =$X,XXX,XXX. Dwelling Coverage does not support all liens. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXX $X,XXX,XXX XXXXXX XXX% XX XXX $XXX,XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'XX') - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXX XXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8279887 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065046 | Closed | 2026-03-23 23:21 | 2026-04-01 12:19 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX provided with FICO XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Updated XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO as per XXXX is XXX whereas per credit report, the qualifying score is XXX using primary wage earner mid score method as per GL. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXX XXXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8279633 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065046 | Closed | 2026-03-25 12:35 | 2026-04-01 12:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home tool kit provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please review upload. - Seller-XX/XX/XXXX <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing Missing Consumer Caution and Home owner Counseling Notice. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. please review upload. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXXXX XXX XXXX XXXXX XXXXXXXXXX XXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXX XXX XXXX XXXXX XXXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXX XXXX XXXX XXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8317854 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080525 | Closed | 2026-03-26 05:45 | 2026-03-27 04:24 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Change of circumstance (COC) in file does not indicate what fee increased. Client provided that it was the Notary fee in question that increased. Per research COC does not need to specify the exact fee that was changed as long as the borrower is provided a new disclosure within X days of the change, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The file contains a locked LE with a CIC dated X/XX/XXXX with the increased Notary fee. Loan closed with the lower Notary fee. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The total amount of the XX% category fees ($X,XXX.XX) has increased by more than XX% over the current baseline value of ($X,XXX.XX). The total amount of fees in the XX% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Notary Fee). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). A $XXX.XX notary fee was added between the initial loan estimate (LE) and final closing disclosure (CD). Fee was added XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The file contains a locked LE with a CIC dated X/XX/XXXX with the increased Notary fee. Loan closed with the lower Notary fee. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XX XXXXXXXXXXXX (XXX) XX XXXX XXXX XXX XXXXXXXX XXXX XXX XXXXXXXXX. XXXXXX XXXXXXXX XXXX XX XXX XXX XXXXXX XXX XX XXXXXXXX XXXX XXXXXXXXX. XXX XXXXXXXX XXX XXXX XXX XXXX XX XXXXXXX XXX XXXXX XXX XXXX XXX XXXXXXX XX XXXX XX XXX XXXXXXXX XX XXXXXXXX X XXX XXXXXXXXXX XXXXXX X XXXX XX XXX XXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX_XXX_XXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8331512 | N/A | N/A |
| XXXX | XXXX | XXXX | 305057901 | Closed | 2026-03-25 04:50 | 2026-03-26 12:10 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Lender provided approved Exception in file, p. XXX, to proceed with decline in income > XX%. Bwr's explanation states this was due to voluntary time off and not any shift in business. Bwr's field is in consistent demand. UW has qualified the bwr with a worst case avg based on the most recent X months avg after expense ratio. Finding waived. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXX XXXXXXXX XXXXXXXX XXXXXXXXX XX XXXX, X. XXX, XX XXXXXXX XXXX XXXXXXX XX XXXXXX > XX%. XXX'X XXXXXXXXXXX XXXXXX XXXX XXX XXX XX XXXXXXXXX XXXX XXX XXX XXX XXX XXXXX XX XXXXXXXX. XXX'X XXXXX XX XX XXXXXXXXXX XXXXXX. XX XXX XXXXXXXXX XXX XXX XXXX X XXXXX XXXX XXX XXXXX XX XXX XXXX XXXXXX X XXXXXX XXX XXXXX XXXXXXX XXXXX. XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XX XX.XX%.<br> XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX X XXXXXX.<br> XX.XX XXX XX XXXXX XXXXXXX XXX XX% XX X.XX.<br> $X,XXX.XX XXXXXXXX XX XXXXXX XXXX XXXXXXXX XXXXXX XX $X,XXX XX $X,XXX.XX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8307990 | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 305057901 | Closed | 2026-03-25 04:20 | 2026-03-26 12:11 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are me.TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing Confirmed from Final Closing disclosure on Pg#XXX. Rate lock date was entered correctly see Pg#'s XXX. An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#XX, XX-XX the appraisal disclosure was provided to the borrower(s) Pg#XXXX, XXX-XXX and copy of the appraisal was given to the borrower see Pg# XXXX, XXX-XXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XX.XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX XXXXXXXXX XXXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XX, XX-XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X) XX#XXXX, XXX-XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XXXX, XXX-XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8307719 | N/A | N/A |
| XXXX | XXXX | XXXX | 305030601 | Closed | 2026-03-30 15:00 | 2026-04-15 12:33 | Resolved | 1 - Information C A | Compliance | Mavent | VA Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Rescinded in XXXXXXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Not a document prep fee it is a handling fee provided rebuttal - Buyer-XX/XX/XXXX <br>Open-Document handling fee $X.XX on the initial and final CD. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Section X.X-XXX of the Virginia Interest and Usury Provisions does not allow Document Preparation Fee (Fee ID: XXX) to be charged to the Borrower in VA. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8393245 | N/A | N/A |
| XXXX | XXXX | XXXX | 305030601 | Closed | 2026-03-30 14:49 | 2026-04-15 06:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-LRA Income corrected and updated. $XXXk used as income supports. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited DTI of XX.X% is less than or equal to XXXXXXXXX DTI of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-income worksheet attached - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of XX% Missing documentation to support borrower is allowed to use XXX% of the business income. Per CPA letter and Business narrative borrower is XX% owner of XXXXX XXXXX, X.X. XX% was used per documents which is causing the significant variance. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXXXXXX XXX XXXXXXX. $XXXX XXXX XX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXX XX XX.X% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8393080 | N/A | N/A |
| XXXX | XXXX | XXXX | 305030601 | Closed | 2026-03-30 15:05 | 2026-04-15 06:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Rate Lock Document is Missing | Resolved-Rate lock provided with final terms. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. lock date XX/XX/XXXX expiration date XX/X/XXXX<br>- Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Document Uploaded. lock date XX/XX/XXXX expiration date XX/X/XXXX - Seller-XX/XX/XXXX <br>Open-Provide clarification of the actual lock date. Lock confirmation states XX/XX/XXXX. However, this date is after close date XX/X/XX. An LE dated XX/XX/XX states rate locked. The lock in agreement is dated XX/X/XX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXXXX XXXX XXXXX XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXX.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8393326 | N/A | N/A |
| XXXX | XXXX | XXXX | 305030601 | Closed | 2026-03-26 04:00 | 2026-04-15 06:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-income worksheet attache d - Due Diligence Vendor-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide XX month business bank statement income calc worksheet. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXX XXXXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8330540 | N/A | N/A |
| XXXX | XXXX | XXXX | 305030601 | Closed | 2026-03-26 05:41 | 2026-04-02 22:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Lender is asking us to use mortgage statement which is sufficient in lieu of senior lien documents hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review- - Due Diligence Vendor-XX/XX/XXXX <br>Open-not needed, all information can be found on the Credit report and the mortgage statement - Seller-XX/XX/XXXX <br>Open-XXXXXXXXX will not permit loans in first lien position to contain any risk features that could impact the borrower's ability to repay. Terms of the subject property first lien must be obtained. The following documentation is required: Copy of Note and Deed of Trust/Mortgage. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XX XXXXXX XX XX XXX XXXXXXXX XXXXXXXXX XXXXX XX XXXXXXXXXX XX XXXX XX XXXXXX XXXX XXXXXXXXX XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8331477 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038935 | Closed | 2026-03-30 13:34 | 2026-04-08 06:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust with the XX compliant acknowledgement provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Document Uploaded. full DOT attached - Buyer-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete Missing XX compliant acknowledgement for Deed of Trust as Notary date is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XX XXXXX XXXX XXX XX XXXXXXXXX XXXXXXXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XX XXXXX XX XXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 8391673 | N/A | N/A |
| XXXX | XXXX | XXXX | 305038932 | Closed | 2026-03-27 05:48 | 2026-04-08 07:43 | Resolved | 1 - Information A | Compliance | Mavent | License: Loan Originator | Resolved-The loan originator is not authorized to do business in XX as of XXXX-XX-XX. The originator NMLS on XX state is active from XX/XX/XXXX to X/XX/XXXX. The most recent active license date is X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The loan originator is not authorized to do business in XX as of XXXX-XX-XX. The originator NMLS on XX state is active from XX/XX/XXXX to X/XX/XXXX. The most recent active license date is X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXXXXX XX XXX XXXXXXXXXX XX XX XXXXXXXX XX XX XX XX XXXX-XX-XX. XXX XXXXXXXXXX XXXX XX XX XXXXX XX XXXXXX XXXX XX/XX/XXXX XX X/XX/XXXX. XXX XXXX XXXXXX XXXXXX XXXXXXX XXXX XX X/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXX XXXX XXXXXXXXXX XX XXX XXXXXXXXXX XX XX XXXXXXXX XX XX XX XX XXXX-XX-XX. XXX XXXXXXXXXX XXXX XX XX XXXXX XX XXXXXX XXXX XX/XX/XXXX XX X/XX/XXXX. XXX XXXX XXXXXX XXXXXX XXXXXXX XXXX XX X/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8355707 | N/A | N/A |
| XXXX | XXXX | XXXX | 305053478 | Closed | 2026-03-27 05:37 | 2026-03-31 13:53 | Resolved | 1 - Information C A | Compliance | Interest:DaysInYear | Michigan - Days Used for Interest Calculation | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Under the XXXXXXXX Secondary Mortgage Loan Act, a XXX day interest calculation must be used. (Mich. Comp. Laws Ann. XXX.XX(X)) Under the XXXXXXXX Secondary Mortgage Loan Act, a XXX day interest calculation must be used. (Mich. Comp. Laws Ann. XXX.XX(X)) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8355625 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065241 | Closed | 2026-03-26 02:14 | 2026-03-31 12:15 | Resolved | 1 - Information A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. XXXXXXXXX's broker agreement contractually obligates the broker to comply w/ anti-steering.<br> Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXX XX XXXXXX XX XXXX XX XXXXXX, XXXX XXXXXXXX XX XXXX-XXXXXXXX XXXXXXXXXX, XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXXXXX. XXXXXX XXXX XXXXXXXXXXX. XXXXXXXXX'X XXXXXX XXXXXXXXX XXXXXXXXXXXXX XXXXXXXXX XXX XXXXXX XX XXXXXX X/ XXXX-XXXXXXXX.<br> XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8328939 | N/A | N/A |
| XXXX | XXXX | XXXX | 305061709 | Closed | 2026-04-03 06:55 | 2026-04-09 08:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home tool kit provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial disclosure package uploaded in case anything else was missed - Buyer-XX/XX/XXXX <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing Provide Home tool kit or disclosure tracking form verifying receipt. This was missing at initial review. Unfortunately it was missed. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXXXX XXX XXXX XXXXX XXXXXXXXXX XXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8472598 | N/A | N/A |
| XXXX | XXXX | XXXX | 305061709 | Closed | 2026-03-30 07:23 | 2026-04-09 08:03 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded. - Seller-XX/XX/XXXX <br>Open-Homeownership Counseling Disclosure Is Missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8382336 | N/A | N/A |
| XXXX | XXXX | XXXX | 305061709 | Closed | 2026-03-26 03:11 | 2026-04-03 06:57 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This resolved itself once entered COC dated X/XX/XX for discount point increase $XXXX to $XXXX on X/XX/XX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Docs uploaded. - Seller-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Missing COC for discount point increase from Initial LE X/XX/XX $X,XXX to Revised LE X/XX/XX $X,XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Docs uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX XXXXXX XXXX XXXXXXX XXX XXXXX X/XX/XX XXX XXXXXXXX XXXXX XXXXXXXX $XXXX XX $XXXX XX X/XX/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8329200 | N/A | N/A |
| XXXX | XXXX | XXXX | 305061709 | Closed | 2026-03-30 06:54 | 2026-04-03 06:57 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-This resolved itself once entered COC dated X/XX/XX for discount point increase $XXXX to $XXXX on X/XX/XX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Missing COC for discount point increase from Initial LE X/XX/XX $X,XXX to Revised LE X/XX/XX $X,XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX XXXXXX XXXX XXXXXXX XXX XXXXX X/XX/XX XXX XXXXXXXX XXXXX XXXXXXXX $XXXX XX $XXXX XX X/XX/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8381866 | N/A | N/A |
| XXXX | XXXX | XXXX | 305061709 | Closed | 2026-03-30 07:23 | 2026-04-03 06:55 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-The intent to proceed dated X/XX/XX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XX XXXXXXX XXXXX X/XX/XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8382340 | N/A | N/A |
| XXXX | XXXX | XXXX | 305061709 | Closed | 2026-03-30 07:37 | 2026-04-02 15:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-Document Uploaded. DHM approves of the exception uploaded. - Buyer-XX/XX/XXXX <br>Open-Requires Deephaven Approval. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines Rural property Overlay:Max CLTV XX% w/ XXX+ FICO; Max CLTV XX% w/ XXX+ FICO \| Primary only \| XXXk Loan Amount Max \| Max XX acres \| Full Appraisal required. Subject FICO is XXX < XXX+, LTV XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_<br> XXXXXXXXXXXX XXXXXXXXX XXXXXXX.XXX XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%. XXXXXXXX XXX XXXX XXXXXXXX XX XXXXXXX XXX XXX XX XXXXX. XXXXXXXX XXX XXXX XXXXXXXX XX XXXX XXXXXX XXX XX XXXXX. XXXX XXXXXXXX XXXXXXX XXX XX XXXXXX. XXXXXXXX XXX XXXXX XX XXXXXXX XXXXXXXX X XXXXX. <br>XXXX Primary Residence Refinance Cash Out - Other 8382588 Investor Post-Close No |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | 305061709 | Closed | 2026-03-26 03:11 | 2026-04-09 15:55 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing Xnd lien, escrow disclosures and loan information is on Pg# XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX XXX XXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8329202 | N/A | N/A |
| XXXX | XXXX | XXXX | 305061709 | Closed | 2026-03-26 03:11 | 2026-04-09 15:55 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing Xnd lien, escrow disclosures and loan information is on Pg# XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX XXX XXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8329199 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065221 | Closed | 2026-03-29 23:21 | 2026-04-02 15:35 | Cured | 1 - Information C A | Compliance | Interest:DaysInYear | South Carolina - Days Used For Interest Calculation | Cured-May be cured if the client refunds the fee violation and provides Selene a copy of the check, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-May be cured if the client refunds the fee violation and provides Selene a copy of the check, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The Days in Year Number used to calculate the interim interest is (XXX.X). The South Carolina Consumer Protection Code requires XXX days, or XXX in a leap year, used for the interest calculation. (S.C. Code Ann. XX-X-XXX(X)) May be cured if the client refunds the fee violation and provides Selene a copy of the check, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXX-XXX XX XXXXX XX XXX XXXXXX XXXXXXX XXX XXX XXXXXXXXX XXX XXXXXXXX XXXXXX X XXXX XX XXX XXXXX, XXXX, XXX, XXX XXXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XX XXXXX XX XXX XXXXXX XXXXXXX XXX XXX XXXXXXXXX XXX XXXXXXXX XXXXXX X XXXX XX XXX XXXXX, XXXX, XXX, XXX XXXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8378413 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065221 | Closed | 2026-03-29 23:21 | 2026-04-02 15:34 | Waived | 2 - Non-Material B | Compliance | Mavent | Interest: DaysInYear | Waived-SC allows for the use of the XXX-day method when calculating the finance charge for a month or the year, and to use a XXX-day approach when calculating a per diem.- Please note that the purchasing investor may be responsible for the refund. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Waived- - Due Diligence Vendor-XX/XX/XXXX <br>Waived-The Interest Days in Year used to calculate the interest is (Periodic XXX). The South Carolina Consumer Protection Code requires XXX days used for the interest calculation. (S.C. Code Ann. XX-X-XXX(X)) SC allows for the use of the XXX-day method when calculating the finance charge for a month or the year, and to use a XXX-day approach when calculating a per diem.- Please note that the purchasing investor may be responsible for the refund. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XX XXXXXX XXX XXX XXX XX XXX XXX-XXX XXXXXX XXXX XXXXXXXXXXX XXX XXXXXXX XXXXXX XXX X XXXXX XX XXX XXXX, XXX XX XXX X XXX-XXX XXXXXXXX XXXX XXXXXXXXXXX X XXX XXXX.- XXXXXX XXXX XXXX XXX XXXXXXXXXX XXXXXXXX XXX XX XXXXXXXXXXX XXX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXX XXXXXXXX XXXX XX XXXX XXXX XX XXXXXXXXX XXX XXXXXXXX XX (XXXXXXXX XXX). XXX XXXXX XXXXXXXX XXXXXXXX XXXXXXXXXX XXXX XXXXXXXX XXX XXXX XXXX XXX XXX XXXXXXXX XXXXXXXXXXX. (X.X. XXXX XXX. XX-X-XXX(X)) XX XXXXXX XXX XXX XXX XX XXX XXX-XXX XXXXXX XXXX XXXXXXXXXXX XXX XXXXXXX XXXXXX XXX X XXXXX XX XXX XXXX, XXX XX XXX X XXX-XXX XXXXXXXX XXXX XXXXXXXXXXX X XXX XXXX.- XXXXXX XXXX XXXX XXX XXXXXXXXXX XXXXXXXX XXX XX XXXXXXXXXXX XXX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8378414 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305065221 | Closed | 2026-03-29 22:36 | 2026-04-02 15:33 | Resolved | 1 - Information C A | Compliance | TRID | 365 Days Interest Schedule | Resolved-SC allows for the use of the XXX-day method when calculating the finance charge for a month or the year, and to use a XXX-day approach when calculating a per diem.- Please note that the purchasing investor may be responsible for the refund. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Xnd lien with Property State in (WA, IN, SC) and Interest Days in Years is XXX May be cured if the client refunds the fee violation and provides Selene a copy of the check, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX XXXXXX XXX XXX XXX XX XXX XXX-XXX XXXXXX XXXX XXXXXXXXXXX XXX XXXXXXX XXXXXX XXX X XXXXX XX XXX XXXX, XXX XX XXX X XXX-XXX XXXXXXXX XXXX XXXXXXXXXXX X XXX XXXX.- XXXXXX XXXX XXXX XXX XXXXXXXXXX XXXXXXXX XXX XX XXXXXXXXXXX XXX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8378235 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080435 | Closed | 2026-03-30 06:07 | 2026-04-06 04:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Resolved, wX provided and updated. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Requested X year W-X provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X WX/XXXX Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Borrower X WX/XXXX Missing Provide BX's W-X's they are missing from the service file, Either provide X Years W-Xs or provide WVOE covering W-Xs requirement. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX, XX XXXXXXXX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX X XXXX X-X XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XX/XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX XXXX XXX XXXXXXX.XXX_XXXXX_<br> XXXXXXX XXXX XXXX XX.XXX_XXXXX_<br> XXXXXXX XXXX XXXX XXX XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 8381173 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080510 | Closed | 2026-04-02 02:15 | 2026-04-10 03:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please see Attached Fraud report - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Third Party Fraud Report is required for verification of uncleared alerts and OFAC check. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8444710 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080470 | Closed | 2026-03-30 03:27 | 2026-03-30 03:36 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are me.TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver #XXX and Final Closing disclosure on Pg#XXX. Rate lock date was entered correctly see Pg#'s XXX. An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#XX-XX the appraisal disclosure was provided to the borrower(s) Pg#XXXX and copy of the appraisal was given to the borrower see Pg# XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XX.XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX, XXXXXX XXXXXX #XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XX-XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X) XX#XXXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XXXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8379719 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080422 | Closed | 2026-03-31 13:30 | 2026-04-07 12:33 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. most recent cd shows date of X/XX. That still give us X business days. See attached calendar. Saturday does count as a business day. - XXXXX-XX/XX/XXXX <br>Open-This loan failed the XXXX disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. Revised CD on page XX issued on X/XX/XX, Closing Date indicated to be X/XX/XX. Final CD on page XX also issued on X/XX/XX; Closing date indicated to be X/XX/XX. Disbursement Dates on both are X/XX/XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX X XXX XXXX .XXX_XXXXX_<br> XXXX XXXXXXX - XXXXXXXX XXXXXXX XXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 8412943 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080422 | Closed | 2026-03-29 12:12 | 2026-04-07 12:09 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please note we also have a pccd showing disbursement date of X/XX - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. most recent cd shows date of X/XX. That still give us X business days. See attached calendar. Saturday does count as a business day. - XXXXX-XX/XX/XXXX <br>Open-This loan failed the XXXX right of rescission test.Closed-end (XX XXX §XXXX.XX(a)(X) , transferred from XX XXX §XXX.XX(a)(X)), Open-end (XX XXX §XXXX.XX(a)(X) , transferred from XX XXX §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX XXX §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Revised CD on page XX issued on X/XX/XX, Closing Date indicated to be X/XX/XX. Final CD on page XX also issued on X/XX/XX; Closing date indicated to be X/XX/XX. Disbursement Dates on both are X/XX/XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. please note we also have a pccd showing disbursement date of X/XX - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX X XXX XXXX .XXX_XXXXX_<br> XXXX XXXXXXX - XXXXXXXX XXXXXXX XXXXXXXXXX.XXX_XXXXX_<br> XXXX XXXXXXX - XXXXXXXX XXXXXXX XXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 8373540 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080422 | Closed | 2026-03-29 01:10 | 2026-04-07 00:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX <br>Open-Missing Hazard Insurance Policy. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 8372889 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080422 | Closed | 2026-03-29 12:12 | 2026-04-07 12:33 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg#XX. The appraisal disclosure was provided to the borrower(s)- see Pg#XX . confirmation the appraisal was delivered to the borrower on page #XXX. The loan meets XXXX guidelines. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX. XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XX . XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX #XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 8373542 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080505 | Closed | 2026-04-02 02:20 | 2026-04-02 02:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page N/A and the Final Closing disclosure on page XX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8444742 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080505 | Closed | 2026-04-02 02:20 | 2026-04-02 02:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page N/A and the Final Closing disclosure on page XX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8444740 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080467 | Closed | 2026-04-01 01:31 | 2026-04-03 11:36 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Exception for previous employer not reporting on transcripts is approved. Transcripts match income documentation used to qualify, PG - XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXX XXXXXXXX XXXXXXXX XXX XXXXXXXXX XX XXXXXXXXXXX XX XXXXXXXX. XXXXXXXXXXX XXXXX XXXXXX XXXXXXXXXXXXX XXXX XX XXXXXXX, XX - XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXXXXXX XXX $X,XXX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX.<br> XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XXX XXXXXX<br> XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%. | XXXX | Primary Residence | Refinance | Cash Out - Other | 8420097 | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 305080460 | Closed | 2026-04-01 00:56 | 2026-04-14 01:59 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Previous HoX policy date XX/XX/XXXX-XX/XX/XXXX uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see HOI enforced at time of closing and the renewal for HOI. Please rescind finding, thank you. - XXXXX-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Required Previous Hazard Insurance document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXX XXXXXX XXXX XX/XX/XXXX-XX/XX/XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX X.X.XX XX X.X.XX.XXX_XXXXX_<br> XXX X.X.XX XX X.X.XX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8419862 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080404 | Closed | 2026-04-02 21:38 | 2026-04-14 15:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD dated X/XX/XXXX provided and updated in XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Initial CD dated X/XX/XXXX provided and updated in XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded<br> - XXXXXX-XX/XX/XXXX <br>Counter-Thank you for providing the disclosure tracking summary. This was in the original file and both show that an Initial CD was sent on X/XX/XXXX. This CD was not in the file. Provide the initial cd and any other revised cd's along w/ applicable change of circumstances. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Thank you for providing the disclosure tracking summary. This was in the original file and both show that an Initial CD was sent on X/XX/XXXX. This CD was not in the file. Provide the initial cd and any other revised cd's along w/ applicable change of circumstances. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX <br>Open-XXXX: Missing Closing Disclosure Missing Initial Closing Disclosure - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded<br> - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XX XXXXX X/XX/XXXX XXXXXXXX XXX XXXXXXX XX XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXX.XXX_XXXXX_<br> XXXXXXX XX X-XX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8467389 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080404 | Closed | 2026-04-14 14:53 | 2026-04-14 15:05 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Reason for Redisclosure Validation Test | Resolved-Updates made in XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the XXXX post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8661722 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080404 | Closed | 2026-04-14 14:49 | 2026-04-14 15:03 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Updates made in XX - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8661650 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080404 | Closed | 2026-04-14 14:49 | 2026-04-14 15:03 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Updates made in XX - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8661651 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080404 | Closed | 2026-04-14 14:53 | 2026-04-14 15:03 | Resolved | 1 - Information C A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test | Resolved-Updates made in XX - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8661723 | N/A | N/A |
| XXXX | XXXX | XXXX | 305085834 | Closed | 2026-04-02 01:40 | 2026-04-02 01:40 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8444490 | N/A | N/A |
| XXXX | XXXX | XXXX | 305085834 | Closed | 2026-04-02 01:40 | 2026-04-02 01:40 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8444491 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065037 | Closed | 2026-04-03 03:12 | 2026-04-14 16:19 | Resolved | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Document provided is sufficient. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final CD shows credit for Section A fees. COC not required as fees were originally disclosed in Section C and carry a XX% tolerance. It does not change to X tolerance because fees are now in section B. Reg Z XX(e)(X)(ii)-X - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Provide COC for fees increase in A section and also C section fees move to B section. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXXXXX XX XXXXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XX.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8469072 | N/A | N/A |
| XXXX | XXXX | XXXX | 305065037 | Closed | 2026-04-07 10:58 | 2026-04-14 16:19 | Resolved | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Document provided is sufficient. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final CD shows credit for Section A fees. COC not required as fees were originally disclosed in Section C and carry a XX% tolerance. It does not change to X tolerance because fees are now in section B. Reg Z XX(e)(X)(ii)-X - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXXXXX XX XXXXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XX.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8529201 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080482 | Closed | 2026-04-09 15:11 | 2026-04-13 22:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Tax provided in Findings: XXXXXXX_X.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Tax sheet attached - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Evidence of Property Tax is missing. The Tax Record Information Sheet on p XXX is incomplete. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XX XXX XXXXXXXX XX XXXXXXXX: XXXXXXX_X.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXXXXXX XXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8584661 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080482 | Closed | 2026-04-09 15:09 | 2026-04-13 22:48 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-RCE estimated rebuilding cost of $XXX,XXX is less than the dwelling coverage of $XXX,XXX as provided in Findings: XXXXXXX_X.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-RCE provided - Due Diligence Vendor-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX.XX and Guaranteed Replacement Coverage indicator is 'No' The hazard insurance coverage amount of $XXX,XXX is less than the required coverage amount of $XXX,XXX.XX (balance of the first lien $XXX,XXX.XX on p XXX + Xnd lien of $XXX,XXX = $XXX,XXX.XX). Guaranteed Replacement Coverage indicator is 'No' and there is no RCE in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXXX XXXXXXXXXX XXXX XX $XXX,XXX XX XXXX XXXX XXX XXXXXXXX XXXXXXXX XX $XXX,XXX XX XXXXXXXX XX XXXXXXXX: XXXXXXX_X.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'XX') - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8584616 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080482 | Closed | 2026-04-06 04:25 | 2026-04-09 15:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Borrower is not Escrowing and the escrow waiver is on p #XX and Final Closing Disclosure reflecting no escrows is on Pg#XX & XX. The Rate lock date was entered correctly see Pg# XXX. An interior and exterior appraisal was completed for this property and is on p XX-XX. The appraisal disclosure was provided to the borrower on Pg#XXX and confirmation that the appraisal was given to the borrower see Pg# XX & XX. The loan meets HPML guidelines." Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXXXXXX XX XXX XXXXXXXXX XXX XXX XXXXXX XXXXXX XX XX X #XX XXX XXXXX XXXXXXX XXXXXXXXXX XXXXXXXXXX XX XXXXXXX XX XX XX#XX & XX. XXX XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX XXX XX XX X XX-XX. XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX XX#XXX XXX XXXXXXXXXXXX XXXX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX & XX. XXX XXXX XXXXX XXXX XXXXXXXXXX." XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8495469 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080439 | Closed | 2026-04-07 10:58 | 2026-04-17 08:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Toolkit not needed on a refinance - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Toolkit not needed on a refinance - Buyer-XX/XX/XXXX <br>Counter-Provide the Home loan tool kit is the document that we are missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. HO Counseling Disclosures uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXX XXXXXX XX X XXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XX XXXXXXXXXX XXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8529202 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080439 | Closed | 2026-04-09 17:54 | 2026-04-14 12:23 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Documentation showing Rebuilding cost of $XXX,XXX.XX uploaded for review - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Documentation showing Rebuilding cost of $XXX,XXX.XX uploaded for review - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'X/X') - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXXXXXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8586168 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080439 | Closed | 2026-04-07 12:20 | 2026-04-09 18:32 | Resolved | 1 - Information A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. For PPCD there is no field to enter Receipt date - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8531559 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080439 | Closed | 2026-04-07 11:19 | 2026-04-09 18:28 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-Required COC for increased fesses. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Loan failed reimbursement amount validation due to one or more tolerance violations with no reimbursement amount disclosed. Please provide the required lender cure/reimbursement amount or documentation evidencing that applicable tolerance cures were properly issued to the borrower, enabling accurate TRID reimbursement calculations and validation of compliance - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8529844 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080439 | Closed | 2026-04-07 11:19 | 2026-04-09 18:28 | Resolved | 1 - Information A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). loan fails the XX% aggregate tolerance for charges that cannot increase under XX CFR §XXXX.XX(e)(X)(ii). The final charges ($X,XXX.XX) exceed the disclosed comparable charges ($XXX.XX) by more than XX%. Please provide a corrected disclosure and/or evidence of a permissible tolerance reset or cure in compliance with TRID requirements. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXXXXXX XXX XXX XXXXXXXXX XXXXXX. | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8529846 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080439 | Closed | 2026-04-08 01:11 | 2026-04-09 18:28 | Resolved | 1 - Information A | Compliance | TRID | Reimbursement Amount Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Required COC for increased feeses. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8539452 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080432 | Closed | 2026-04-07 02:28 | 2026-04-15 05:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Requested UDM report within the XX business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXXX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXXXXXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX - XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 8516888 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080432 | Closed | 2026-04-07 02:28 | 2026-04-15 05:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested UDM report within the XX business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXXX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXXXXXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX - XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 8516887 | N/A | N/A |
| XXXX | XXXX | XXXX | 305080497 | Closed | 2026-04-07 07:02 | 2026-04-09 07:23 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Lender provided PCCD with updated funding date - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Docs were dated X/XX/XXXX<br> Borrower signed X/XX/XXXX<br> Rescission was up at midnight on X/XX/XXXX (NRTC attached above)<br> Loan funded X/X/XXXX which is a $X.XX prepaid interest day for docs dated in previous month.<br> Title Certified Copy Final ALTA Settlement Statement attached<br> FundLoans PCCD also attached. <br> - Seller-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. The loan closed on X/XX/XX - Notice of Right to Cancel updated at the closing with the updated dates however Final CD shows closing date is X/XX/XX & funding date if X/XX/XX - since rescission expires on X/XX/XX, funding would be X/X/XX - updated CD is needed to cure this. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Docs were dated X/XX/XXXX<br> Borrower signed X/XX/XXXX<br> Rescission was up at midnight on X/XX/XXXX (NRTC attached above)<br> Loan funded X/X/XXXX which is a $X.XX prepaid interest day for docs dated in previous month.<br> Title Certified Copy Final ALTA Settlement Statement attached<br> FundLoans PCCD also attached. <br> - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXX XXXX XXXXXXX XXXXXXX XXXX - XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXX - XXX.XXX_XXXXX_<br> XXXX - XXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXX XXXXXXX XXXX - XXXXXX XX XXXXX XX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 8522144 | N/A | N/A |

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## Exhibit 99.29

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.29**

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| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Kroll** | **S&P** | **Moodys** |
| XXXX | XXXX | 304717672 | XXXX D C | A | A | A | A D B | A | A | A | A B |
| XXXX | XXXX | 304730958 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 304769930 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 304769912 | XXXX C | A | A | A | A C B | A | A | A | A B |
| XXXX | XXXX | 304769846 | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 304769904 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 304702528 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 304827294 | XXXX D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 304875956 | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305038963 | XXXX A D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065242 | XXXX D A | A | A | A | A D B | A | A | A | A B |
| XXXX | XXXX | 304892675 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 304826685 | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 304892735 | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038955 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 304892772 | XXXX D C | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 304892786 | XXXX C | A | A | A | A C B | A | A | A | A B |
| XXXX | XXXX | 304892683 | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 304892721 | XXXX A D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 304911383 | XXXX A C | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305038944 | XXXX D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305038883 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305038927 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305038922 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305038924 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305038925 | XXXX D C | A | A | A | A D B | A | A | A | A B |
| XXXX | XXXX | 305038928 | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038923 | XXXX C A | A | A | A | A C B | A | A | A | A B |
| XXXX | XXXX | 305038929 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305038926 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305038876 | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038913 | XXXX D B | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 304892890 | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305038866 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 304892818 | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305038905 | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 304904384 | XXXX A D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305038874 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038907 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305038943 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305038884 | XXXX D C | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 304875978 | XXXX D A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 304875968 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 304892830 | XXXX A | C | C | C | C A | B | B | B | B |
| XXXX | XXXX | 305038869 | XXXX C D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038873 | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038870 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065240 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038918 | XXXX D A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 305029284 | XXXX A D | N/A C | N/A | N/A | N/A D B | N/A B | N/A | N/A | N/A B |
| XXXX | XXXX | 305038903 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305038911 | XXXX D A | N/A D | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 305038879 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305038941 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305057899 | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038937 | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038912 | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305038893 | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065239 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305038865 | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065130 | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038860 | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038895 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038975 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305038957 | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305038939 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305038940 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305038959 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305038914 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305029285 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305080448 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038871 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305038868 | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038864 | XXXX C | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305038867 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065227 | XXXX C A | A | A | A | A C B | A | A | A | A B |
| XXXX | XXXX | 305065229 | XXXX A D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065226 | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065233 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065230 | XXXX A D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065228 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065232 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065235 | XXXX D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065236 | XXXX D A | A | A | A | A D B | A | A | A | A B |
| XXXX | XXXX | 305065231 | XXXX A D | A | A | A | A D B | A | A | A | A B |
| XXXX | XXXX | 305065234 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305062360 | XXXX A D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065128 | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038896 | XXXX A C | A | A | A | A C B | A | A | A | A B |
| XXXX | XXXX | 305065117 | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065120 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038909 | XXXX B A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 305038930 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305057787 | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065109 | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065125 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305039378 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065127 | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065123 | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065104 | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305057803 | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305069046 | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305047457 | XXXX D C | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 305065098 | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305036235 | XXXX B C | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 305065215 | XXXX A C | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305065214 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065216 | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305065115 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065103 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065134 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038931 | XXXX D B | A | A | A | A D B | A | A | A | A B |
| XXXX | XXXX | 305065111 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065097 | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305057793 | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305057903 | XXXX A C | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305065079 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065131 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305057780 | XXXX A C | A | A | A | A C B | A | A | A | A B |
| XXXX | XXXX | 305065096 | XXXX D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065105 | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065222 | XXXX A D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065225 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065220 | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065088 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065101 | XXXX D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065200 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305061501 | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305065102 | XXXX D C | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 305065196 | XXXX C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305057806 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305057792 | XXXX A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305057788 | XXXX A C | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305054378 | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065108 | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065077 | XXXX B C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065218 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065090 | XXXX D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305054692 | XXXX A C | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305065122 | XXXX D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065197 | XXXX C A | A | A | A | A C B | A | A | A | A B |
| XXXX | XXXX | 305065194 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065129 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065159 | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305065082 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065173 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065175 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065183 | XXXX D C | A | A | A | A D B | A | A | A | A B |
| XXXX | XXXX | 305065182 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065163 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065181 | XXXX D A | A | A | A | A D B | A | A | A | A B |
| XXXX | XXXX | 305065170 | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305065174 | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305065180 | XXXX A C | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305065176 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065165 | XXXX D A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 305065172 | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305065169 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065171 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065168 | XXXX C | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 305065206 | XXXX C A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 305065162 | XXXX A B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 305065160 | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305065177 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065178 | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065179 | XXXX C | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305065167 | XXXX C | A | A | A | A C B | A | A | A | A B |
| XXXX | XXXX | 305065161 | XXXX C A | A | A | A | A C B | A | A | A | A B |
| XXXX | XXXX | 305065164 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065158 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065075 | XXXX D C | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065094 | XXXX A D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065166 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305038877 | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065084 | XXXX D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065023 | XXXX D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065086 | XXXX A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065089 | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065195 | XXXX C | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305065124 | XXXX A D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065063 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065146 | XXXX B A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 305065152 | XXXX D A | N/A C | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065154 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065148 | XXXX A D | N/A D | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065132 | XXXX D | A | A | A | A D B | A | A | A | A B |
| XXXX | XXXX | 305065049 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065070 | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065238 | XXXX D B | A | A | A | A D B | A | A | A | A B |
| XXXX | XXXX | 305065149 | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065145 | XXXX A D | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 305065107 | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065114 | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065121 | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065150 | XXXX A C | A | A | A | A C B | A | A | A | A B |
| XXXX | XXXX | 305065059 | XXXX D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065072 | XXXX D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065187 | XXXX A B | A | A | A | A B | A | A | A | A B |
| XXXX | XXXX | 305065068 | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305057786 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065201 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065209 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065144 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065060 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065189 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065073 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065140 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305069036 | XXXX A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065110 | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065116 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065053 | XXXX A D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305076959 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065071 | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065066 | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305080521 | XXXX A | N/A C | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065118 | XXXX A D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305065188 | XXXX D B | A | A | A | A D B | A | A | A | A B |
| XXXX | XXXX | 305065099 | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065065 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305080441 | XXXX D | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 305065046 | XXXX C D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305080525 | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065138 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305057901 | XXXX B A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 305080437 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305030601 | XXXX D C | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305038935 | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305038932 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305053478 | XXXX A C | A | A | A | A C | A | A | A | A |
| XXXX | XXXX | 305065241 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065106 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065141 | XXXX A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305061716 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305061709 | XXXX C D | A | A | A | A D B | A | A | A | A B |
| XXXX | XXXX | 305065221 | XXXX A C | A | A | A | A C B | A | A | A | A B |
| XXXX | XXXX | 305080435 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305080510 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305080470 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305080471 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305080422 | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065184 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305080505 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065058 | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | 305065136 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305080467 | XXXX B A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | 305080468 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305080463 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305080460 | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305080404 | XXXX A D | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305085834 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305065037 | XXXX A C | A | A | A | A C B | A | A | A | A B |
| XXXX | XXXX | 305080482 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305080439 | XXXX C D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305080432 | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | XXXX | 305080497 | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305080513 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305080457 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305080390 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 305078943 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.30

**[J.P. Morgan Mortgage Trust 2026-CES3 ABS 15-G](jpmmt-abs15g.htm)**

**Exhibit 99.30**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 304717672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.93 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304730958 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.23 | 45.35 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 304769930 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 14.93 | 71.01 | XXXX | XXXX | .0601 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0601 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304769912 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 7.71 | 60.0 | XXXX | XXXX | .0821 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0821 | 89.0 | 0.11 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304769846 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 24.66 | 71.8 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304769904 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.46 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304702528 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.13 | 84.89 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304827294 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.82 | 74.62 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.8 | XXXX |
| XXXX | XXXX | 304875956 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.42 | 63.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305038963 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.54 | 75.07 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 305065242 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 18.33 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | XXXX | 304892675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.77 | 72.69 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | XXXX | 304826685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.05 | 84.67 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304892735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 11.63 | 71.04 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038955 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.57 | 57.11 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304892772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.14 | 62.33 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304892786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.12 | 89.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304892683 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 48.17 | 90.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304892721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.33 | 69.66 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304911383 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.11 | 61.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305038944 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 45.45 | 76.94 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038883 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 35.6 | 74.9 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038927 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 13.23 | 52.53 | XXXX | XXXX | .0399 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0399 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.24 | 61.17 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305038924 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 6.86 | 71.64 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | XXXX | 305038925 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.25 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305038928 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.58 | 73.18 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.28 | 73.06 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305038929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.38 | 27.87 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 305038926 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.89 | 65.49 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305038876 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 25.41 | 79.99 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038913 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.65 | 63.01 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304892890 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 37.04 | 76.42 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305038866 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.91 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304892818 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.06 | 72.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305038905 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.5 | 70.62 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304904384 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.25 | 63.29 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 305038874 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 7.03 | 80.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038907 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1075 Exterior Only Inspection Condo Report | XXXX | XXXX | XXXX | XXXX | 30.15 | 77.08 | XXXX | XXXX | -.0833 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0833 | 93.0 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038943 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.77 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305038884 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.23 | 79.95 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304875978 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 19.49 | 51.82 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875968 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 32.33 | 66.15 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304892830 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.52 | 57.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305038869 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 32.38 | 75.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038873 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 19.24 | 79.85 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038870 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 11.0 | 75.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065240 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 24.13 | 69.79 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 16.07 | 79.58 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305029284 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.46 | 74.03 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038903 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 39.79 | 71.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305038911 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 18.31 | 57.52 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038879 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.69 | 88.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | XXXX | 305038941 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 37.09 | 78.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 305057899 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.43 | 62.83 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038937 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 22.12 | 74.09 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.0 | 0.04 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038912 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.31 | 63.61 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305038893 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.09 | 66.83 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 31.58 | 55.46 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038865 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 21.81 | 65.89 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065130 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 8.02 | 56.5 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038860 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2095 Exterior Only Inspection Coop Report | XXXX | XXXX | XXXX | XXXX | 29.66 | 69.21 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038895 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 26.0 | 76.76 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038975 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.55 | 63.86 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305038957 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 47.85 | 79.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305038939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.41 | 52.74 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305038940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.27 | 72.79 | XXXX | XXXX | .0091 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305038959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.33 | 64.44 | XXXX | XXXX | -.0987 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0987 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038914 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 16.55 | 65.58 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 98.0 | 0.02 | Other | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305029285 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.27 | 72.28 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305080448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 24.75 | 75.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038871 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.53 | 56.98 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Not provided | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 305038868 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 16.56 | 82.81 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.0 | 0.13 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038864 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 34.09 | 79.01 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305038867 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 11.64 | 59.97 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.0 | 0.04 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065227 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.82 | 58.6 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305065229 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.52 | 64.81 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305065226 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 16.94 | 37.85 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065233 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 12.07 | 54.42 | XXXX | XXXX | -.0158 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0158 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065230 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.74 | 73.87 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305065228 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.05 | 84.56 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305065232 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 10.0 | 59.96 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.27 | 58.59 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 305065236 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 20.76 | 69.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305065231 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.12 | 79.65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | XXXX | 305065234 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.26 | 47.75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | XXXX | 305062360 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.39 | 71.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 305065128 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 23.44 | 71.57 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038896 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.54 | 74.83 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 305065117 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.47 | 59.82 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065120 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 29.65 | 73.86 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038909 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 16.87 | 74.9 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038930 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.0 | 70.5 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305057787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 11.25 | 51.04 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065109 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 10.25 | 71.89 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065125 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.0 | 79.27 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |
| XXXX | XXXX | 305039378 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Hybrid Appraisal | XXXX | XXXX | XXXX | XXXX | 17.75 | 41.64 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065127 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.79 | 67.71 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065123 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 20.06 | 74.84 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 88.0 | 0.12 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.32 | 85.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305057803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.75 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305069046 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.94 | 69.73 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305047457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 5.71 | 80.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065098 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.38 | 82.51 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305036235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 47.66 | 77.48 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | CoreLogic | iAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065215 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.29 | 89.27 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305065214 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.32 | 52.75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | XXXX | 305065216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.03 | 74.66 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305065115 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.1 | 67.54 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065103 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.41 | 89.97 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 305065134 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 12.62 | 59.07 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038931 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.77 | 79.77 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305065111 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 23.65 | 79.77 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305065097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 13.3 | 50.88 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | VeroValue | VeroValue AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305057793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 17.63 | 74.67 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | Other | i-Val |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305057903 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 41.54 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305065079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.18 | 89.71 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 305065131 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.14 | 79.99 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.2 | XXXX |
| XXXX | XXXX | 305057780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.41 | 69.73 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 305065096 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.86 | 64.32 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065105 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.81 | 78.75 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065222 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.11 | 78.32 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 305065225 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.41 | 54.18 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305065220 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.63 | 89.59 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 305065088 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.24 | 79.77 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305065101 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.85 | 89.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305065200 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 21.4 | 68.22 | XXXX | XXXX | .0000 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | 89.0 | 0.11 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305061501 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.75 | 45.01 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 305065102 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.14 | 73.24 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065196 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.14 | 75.89 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305057806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 10.7 | 64.02 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | VeroValue | VeroValue AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305057792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.5 | 80.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305057788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.05 | 31.59 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305054378 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.0 | 30.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065108 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 15.35 | 78.19 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 15.58 | 75.08 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.0 | 0.04 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065218 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.32 | 57.41 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 305065090 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 11.76 | 63.66 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305054692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.73 | 41.74 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065122 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.09 | 76.28 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.9 | XXXX |
| XXXX | XXXX | 305065197 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.24 | 79.95 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305065194 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.73 | 65.68 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 305065129 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.2 | 69.64 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065159 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.35 | 76.06 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305065082 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 23.42 | 79.75 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065173 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 19.2 | 54.4 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065175 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.08 | 74.74 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305065183 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.1 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2 | XXXX |
| XXXX | XXXX | 305065182 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 29.24 | 78.41 | XXXX | XXXX | -.0183 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0183 | 93.0 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065163 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 6.58 | 48.14 | XXXX | XXXX | -.0119 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1414 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX | -.0119 | XXXX | Not provided | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065181 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 15.66 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.5 | XXXX |
| XXXX | XXXX | 305065170 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 11.24 | 53.23 | XXXX | XXXX | -.0635 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0635 | 92.0 | 0.08 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065174 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 11.98 | 63.3 | XXXX | XXXX | .0090 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0090 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065180 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 10.64 | 58.55 | XXXX | XXXX | .0035 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0035 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065176 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 35.53 | 58.52 | XXXX | XXXX | -.0016 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0016 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065165 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 7.16 | 64.01 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065172 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 12.09 | 48.06 | XXXX | XXXX | -.0711 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0711 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065169 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.0 | 65.5 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065171 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.68 | 79.35 | XXXX | XXXX | -.0876 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0876 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065168 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.55 | 48.6 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065206 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.65 | 68.9 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065162 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 25.75 | 70.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065160 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.0 | 67.24 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305065177 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 10.67 | 64.71 | XXXX | XXXX | -.0707 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0707 | 76.0 | 0.24 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065178 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.0 | 71.43 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065179 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.61 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | XXXX | 305065167 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.78 | 80.16 | XXXX | XXXX | -.0301 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0301 | 90.0 | 0.1 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065161 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 11.49 | 56.7 | XXXX | XXXX | .0013 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0013 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065164 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 7.87 | 24.71 | XXXX | XXXX | -.0148 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0148 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065158 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 15.0 | 33.55 | XXXX | XXXX | -.0304 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0304 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065075 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.5 | 52.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305065094 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.67 | 77.65 | XXXX | XXXX | -.0333 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0333 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065166 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 34.62 | 83.04 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305038877 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 9.48 | 89.48 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065084 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.17 | 79.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 305065023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.81 | 89.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.1 | XXXX |
| XXXX | XXXX | 305065086 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 17.3 | 66.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 15.21 | 73.05 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065195 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.5 | 84.95 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LowRisk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065124 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.52 | 87.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 305065063 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.15 | 69.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | XXXX | 305065146 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.74 | 79.57 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065152 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 28.44 | 79.7 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065154 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 37.76 | 77.05 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.0 | 0.13 | Other | iAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065148 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 42.46 | 69.62 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | VeroValue | iAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065132 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.58 | 63.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.6 | XXXX |
| XXXX | XXXX | 305065049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.28 | 79.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305065070 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.75 | 29.75 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065238 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 39.1 | 74.92 | XXXX | XXXX | -.1085 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1240 | XXXX | HIGH | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1085 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065149 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.03 | 74.44 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065145 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.79 | 67.46 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065107 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.41 | 62.08 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065114 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.27 | 69.74 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065121 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1075 Exterior Only Inspection Condo Report | XXXX | XXXX | XXXX | XXXX | 5.58 | 64.41 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065150 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.39 | 72.34 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305065059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.64 | 51.1 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305065072 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.12 | 70.29 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305065187 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.48 | 89.67 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305065068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 44.06 | 87.92 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305057786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.68 | 66.45 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 305065201 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.76 | 66.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305065209 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.27 | 72.75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 305065144 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.71 | 77.88 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 13.27 | 29.05 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.0 | 0.04 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065189 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.62 | 75.87 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.6 | 72.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305065140 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 12.22 | 80.44 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.0 | 0.04 | Other | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305069036 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 26.28 | 73.26 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.31 | 89.73 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065116 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 36.4 | 84.35 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  | 89.0 | 0.11 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065053 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.91 | 79.93 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305076959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 52.46 | 89.16 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065071 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.87 | 79.63 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065066 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.96 | 76.65 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305080521 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 30.0 | 79.82 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | VeroValue | VeroValue AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065118 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.44 | 74.78 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065188 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.55 | 84.64 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305065099 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.68 | 76.1 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065065 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.93 | 55.52 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 305080441 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.0 | 59.62 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065046 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.83 | 52.43 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305080525 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.55 | 72.72 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065138 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 21.15 | 74.55 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.0 | 0.04 | Other | CA IAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305057901 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.37 | 74.93 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305080437 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 13.78 | 73.16 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030601 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.48 | 70.0 | XXXX | XXXX | .0105 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0105 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038935 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 39.04 | 79.71 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 33.9 | 44.86 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305053478 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.36 | 77.4 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065241 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.57 | 53.25 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 305065106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.09 | 79.62 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305065141 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 15.39 | 79.8 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | Other | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305061716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.95 | 74.33 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305061709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.77 | 49.96 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065221 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.48 | 53.11 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 305080435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.09 | 74.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305080510 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 39.31 | 74.77 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305080470 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.58 | 89.11 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305080471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 11.83 | 35.47 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305080422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.07 | 79.77 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065184 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.59 | 54.28 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305080505 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.99 | 84.77 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | XXXX | 305065058 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.7 | 78.71 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305065136 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Hybrid Appraisal | XXXX | XXXX | XXXX | XXXX | 22.72 | 76.73 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305080467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 14.97 | 78.16 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305080468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 24.87 | 61.42 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305080463 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 33.26 | 71.23 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305080460 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 9.2 | 46.94 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | Other | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305080404 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.35 | 79.65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305085834 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.11 | 35.64 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305065037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.45 | 78.37 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305080482 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.08 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | XXXX | 305080439 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 28.18 | 76.82 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | VeroValue | VeroValue AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305080432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.9 | 73.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | XXXX | 305080497 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 31.53 | 43.87 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305080513 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.11 | 47.74 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305080457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.1 | 64.87 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305080390 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 28.05 | 49.33 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | Clear Capital | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305078943 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.59 | 61.72 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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